0333 320 6009
0333 320 6009
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Sports Club Insurance

Committed to making your sports club insurance work for you

We compare quotes from leading insurers

Protect your sporting club, with tailored sports club insurance

Running a sports club presents many risks for all those involved, whether it’s a professional or amateur club, protecting against the unexpected is essential.

We understand that your sports club or association is at the heart of your community, bringing together individuals who share a common interest in sports. Your club provides a platform for people to engage in sporting activities, develop their skills, compete, and socialise. Therefore, it's crucial to have the right insurance coverage in place to protect your members, volunteers, and assets.

Comparing quotes and finding the right cover can be a challenge in itself, which is why we do all the hard work for you to make arranging your insurance simple and hassle-free.

Every club is different and requires tailored insurance to protect its business activities should something go wrong. Whether you run an amateur sports club, sporting club, athletics club, leisure centre, health club or country club we can help. We work with trusted insurers to ensure your cover meets your individual needs.

Our advisors can make recommendations for your sports club insurance, just give them a call or request a call back. We’ll arrange the right insurance for your club so you can work safely in the knowledge that you’re covered.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009

Sports club insurance cover in detail

What is sports club insurance?

Sports club insurance is a tailored business insurance package designed to protect sports and athletics clubs against potential liabilities and risks. It usually includes a range of covers such as public liability insurance for injuries or property damage to third parties, employers' liability insurance for club employees or volunteers, property insurance for clubhouse and equipment, sports equipment insurance and business interruption insurance for income loss.

The specific types of coverage included in sports club insurance may vary depending on the insurance provider and the club's requirements. Our business insurance specialists are on hand to talk you through your options and will make arranging your insurance simple.

Insurance covers to consider

When deciding what insurance and covers you need to protect your business, you should consider the following:
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Public liability insurance

Public liability insurance for sports clubs can protect the club against claims of third-party bodily injury or property damage. It provides financial protection if a member of the public, such as a spectator, visitor, or passerby, suffers an injury or has their property damaged while participating in or being present at the sports club's activities or events.

By having public liability insurance, sports clubs can operate with peace of mind, knowing that they are financially protected in the event of unforeseen accidents, injuries, or property damage. It helps mitigate the potential financial burden that could arise from such incidents.

Groundskeeper painting lines on a sports pitch

Employers' liability insurance

Employers’ liability insurance for sports clubs is a type of cover that protects the club against legal liabilities and financial losses arising from employee work-related injuries or illnesses. It is specifically designed to meet the legal obligations of sports clubs that have employees or engage volunteers in their activities.

Accidents can happen when you least expect them, and compensation awarded for injuries can be costly. If an employee or committee member fell down some stairs and broke a limb, employers' liability would cover medical and legal costs as well as compensation awarded as a result, if you were found liable.

Employers' liability insurance provides financial protection to sports clubs, helping them cover the costs associated with employee claims. It can include compensation payments, legal expenses, and other costs required to settle a claim.

Flooded pitch at a sports centre

Business interruption insurance

Should you suffer damage at your premises, business interruption cover as part of your sports club insurance can protect your gross profit or revenue and fixed business expenses if you are unable to open. So if you suffer property damage as the result of a flood or storm, this cover can tide you over financially while you get back up and running.

Business interruption insurance for sports clubs is a vital cover as it helps mitigate the financial impact of unexpected disruptions, allowing the club to recover and resume operations more quickly.

Cross trainers in a dark gym

Property covers

Sports clubs should consider several types of property insurance coverage to adequately protect their assets. Here are some important property insurance covers for sports clubs to consider:

Building insurance - this coverage protects the club's main building or clubhouse against risks like fire, lightning, explosions, vandalism, or other covered perils. It provides financial protection to repair or rebuild the structure in case of damage or destruction.

Contents insurance - contents insurance covers the club's movable property, including equipment, furniture, fixtures, and other belongings within the premises. It protects against risks like fire, theft, water damage, or accidental damage. It's essential to accurately assess the value of the contents to ensure adequate coverage.

Sports equipment insurance - this coverage specifically focuses on the club's sports equipment, such as balls, bats, rackets, goalposts, training gear, and other sporting gear. It can protect against damage, loss, theft, or accidental breakage of equipment, both on and off the club's premises.

Inside of a court building

Commercial legal protection

You may wish to include commercial legal expenses within your insurance, to offer protection against tax and VAT disputes, employment disputes and compensation awards, as well as cover should you or a member of staff be called up for jury service.
Bar tender pouring a pint of beer

Loss of licence insurance

Loss of licence insurance, also known as Licence Protection insurance, is a specialised cover that protects businesses in the event of their licence being revoked, suspended, or not renewed by the licensing authority. For example, a sports club could lose its licence to sell alcohol in its onsite bar, so this insurance would provide financial protection during periods of closure or business interruption caused by the loss of the licence. It usually covers lost revenue, ongoing expenses, and may include costs associated with reinstating the licence.
Gym staff speaking with customer at a reception desk

Directors and officers cover

Directors and officers cover for sports clubs protects the directors, officers, and board members of the sports club from legal actions and financial losses resulting from alleged wrongful acts, errors, or omissions committed while carrying out their duties. It can help cover legal defence costs and settlements.
Sports team on a minibus

Event cancellation insurance

This cover could provide financial protection in case a scheduled sports event needs to be cancelled, postponed, or abandoned due to unforeseen circumstances like extreme weather, natural disasters, or other emergencies. It can cover the financial losses incurred, such as venue rentals, ticket sales, and other associated expenses.

Sports club insurance FAQs

Typically, sports club insurance can combine a number of covers to safeguard against a wide range of risks. Health clubs for example may specialise more in treatments and relaxation therapies, whereas sports clubs may be more heavily involved in sporting events, training and fixtures.

There’s a wide range of covers that can be included within your sports club insurance, from buildings, contents, and stock, to liability cover to protect you from injuries to your staff and visitors. Having the right cover in place can protect your livelihood against unforeseen events that could have significant financial implications and potentially jeopardise the future of your club.

Either way, protecting your liabilities toward members of the public, visitors and employees, as well as covering your premises, grounds and contents is essential. As careful as you may be, accidents do happen, especially where sports are involved.

Typically, sports club insurance can cover your premises and equipment, as well as your clients and your staff. Covers you should consider include:

  • Public liability – for injured visitors or damage to their property.
  • Employers' liability – to protect your employees.
  • Buildings cover – to cover for loss or damage to your premises.
  • Equipment, contents and stock – to reinstate your items and belongings.
  • Business interruption – to keep finances running when disaster strikes.
  • Money cover – for theft or attempted theft.
  • Business legal expenses – to cover the cost of legal expenses.
  • Loss of licence - in the event of a licence being revoked, suspended, or not renewed by the licensing authority.
More information

The cost of sports club insurance can vary depending on several factors, including the size of the centre, location, activities and services offered, the value of property and assets, the number of employees or volunteers, previous claims history, and the specific insurance cover and limits required.

At Premierline we can help you determine the cost of your insurance by comparing quotes from some of the UK's top business insurers. We will consider your insurance needs to ensure that your policy continues to meet the changing needs of your business.

We've helped a number of organisations in the sports and leisure industry find the right insurance to meet their needs, and we can do the same for you. Our insurance experts are on hand to talk through your requirements and find tailored cover to meet your needs.

Here are just some of the common types of sports clubs we work with:

Sports and sporting clubs, athletics clubs, football clubs, rugby clubs, tennis clubs, cricket clubs, bowling clubs, swimming clubs, multi-sports clubs, health clubs and country clubs.

We arrange insurance that allows you to tailor your cover to fit your specific requirements. We find flexible solutions so you can choose the covers you need to meet not just your legal requirements but to protect your buildings, assets and the people who use the club.

When it comes to arranging sports club insurance, Premierline offers a combination of experience, personalised service, access to multiple insurance options, risk assessment support and advice.

Get the cover you need, tailored to your unique requirements.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don't worry - our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.
We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.
You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited. 

Why choose Premierline?

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We're Business Insurance Experts

We understand the nature of running your own business often leaves little time for much else. That’s why we work closely with some of the UK’s leading insurers to find the cover that’s right for you, making arranging your insurance simple and hassle-free. We’re committed to finding the right insurance solutions for your business to let you work without worry and focus on what really matters – your business.

  • Award winning service - We're trusted by thousands of SMEs across the UK
  • Comprehensive protection - We can help with all your commercial insurance needs
  • UK based experts - Located in Lancaster, our advisors are here to help

Our customer reviews and testimonials

“Friendly, professional, confident and helpful service. I would have no hesitation in recommending Premierline.”
Business Owner
Customer since July 2017
4.7/5 stars

Customers rate us 4.7/5

341 customers have happily rated our service on Feefo over the past 12 months.
Feefo Awards: Platinum Trusted Service & 10 years of proven Trusted Service

For consistently winning a Trusted Service Award for customer excellence over the past 10 years.
Don't just take our word for it, read more of our customer testimonials and reviews.

Speak to a sports club insurance expert

We’re here to help you find the right insurance for your sports club. By comparing quotes and covers from several insurers we can arrange top cover that lets you focus on what really matters – running your sports club effectively,

We understand the complex insurance needs of sports clubs and the most relevant covers for your industry and are committed to helping you arrange quality insurance without the hassle.

Start a quote 

Complete our short form to start your business insurance quote. We'll then call you at a time that's convenient for you to discuss your requirements and provide an insurance quote
Get a quote

Speak to an expert

Our advisors are just a phone call away. On average, we answer calls within 90 seconds.  Lines open Monday to Friday 9:00am–5:00pm
Call:  0333 320 6009