• Sports Club Insurance

    Sports Club Insurance

    Tailor cover for all types of sporting clubs

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27
January
2016

What Is Sports Club Insurance?

Sports Club Insurance provides specialist cover for the many thousands of amateur sporting clubs across the UK. From injury to club members, supporters or employees, to cover for equipment or property, the potential risks can be quite varied. From core public liability insurance to more extensive risks such as clubhouses, premises or stands, cover can be tailored to your exact requirements.

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What Type of insurance do I need for a Sports Club?

Whilst every sports club is different, the single common denominator is the risk of third party injury or damage to property from the actions of the club or its employees, which is protected by arranging public liability insurance. Should the club engage any direct employees such as a groundsman or bar staff, it will legally be required to purchase employers liability insurance cover. In addition to liability exposures and damage to property or equipment owned by the club, other specialist cover can be arranged such as player-to-player liability, damage to playing surfaces and theft by employees.

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Compare Sports Club Insurance Quotes

At Insync we have access to a number of bespoke policies and insurers specialising in amateur sports clubs. One of our expert insurance advisors will work with you to identity your key exposures and tailor a policy which meets your needs and your budget.

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Sports Club Insurance Cover

  • Specialist cover for all types of sporting clubs
    Specialist cover for all types of sporting clubs
  • Clubs with or without premises or clubhouses
    Clubs with or without premises or clubhouses
  • Public Liability Insurance (inc. member to member liability)
    Public Liability Insurance (inc. member to member liability)
  • Employers Liability for staff, groundsmen and volunteers
    Employers Liability for staff, groundsmen and volunteers
  • Buildings cover for clubhouses and stands
    Buildings cover for clubhouses and stands
  • Loss of licence cover
    Loss of licence cover
  • Contents, stock, sports equipment and trophy cover
    Contents, stock, sports equipment and trophy cover
  • Damage to playing surfaces
    Damage to playing surfaces
  • Professional liability / indemnity for sports instruction and coaching
    Professional liability / indemnity for sports instruction and coaching
  • Fidelity guarantee (theft by officials or employees)
    Fidelity guarantee (theft by officials or employees)
  • Business Interruption (loss of profit) cover
    Business Interruption (loss of profit) cover
  • Money, Legal Expenses and Personal Accident options
    Money, Legal Expenses and Personal Accident options

Why Insync for Sports Clubs

  • We compare sports club insurance and cover from our panel of leading insurers
    We compare sports club insurance and cover from our panel of leading insurers
  • Instant quotations - cover and policy documents in minutes
    Instant quotations - cover and policy documents in minutes
  • Flexible cover & monthly payments – just pay for the sections you need
    Flexible cover & monthly payments – just pay for the sections you need
  • Expert advice from dance insurance specialists
    Expert advice from dance insurance specialists
  • 24 Hour Claims Helpline
    24 Hour Claims Helpline
  • Personal – Digital servicing AND your own dedicated insurance professional
    Personal – Digital servicing AND your own dedicated insurance professional

Sports Club Claims Example

Sports Club Claims Example

A local football team sold hot drinks to supporters from the back of their stand which was manned by volunteers. A shelf housing the tea urn collapsed causing it to fall onto one of the employers who suffered severe burns. The claimant pursued the client for compensation under their employers’ liability insurance for both the injury itself, distress and loss of earnings.

How Much Does It Cost to Insure a Sports Club?

How Much Does It Cost to Insure a Sports Club?

The cost of insurance for your individual sports club very much depends on the specific level of cover required. Insurers calculate their premiums based on the type of club and its activities, the location of the clubhouse or premises (post-code), and the sums insured for contents and any sports equipment required. Our advisors will be in a positon to breakdown premiums across the different cover extensions during the quotation process.

How Can I Save Money on Sports Club Insurance?

How Can I Save Money on Sports Club Insurance?

Whilst obtaining a competitive premium is important, making sure that the right level of cover is in place and sums insured are adequate is even more critical for a sports club where claims, such as a fire or flood, can threaten its very existence. With this in mind, you should review the replacement and reinstatement cost of any machinery or buildings on a regular basis. Savings can often be made by removing areas of cover which is no longer required, or simply by utilising a specialist broker such as Insync who can access a wider range of club insurance policies.

Tradesman Liability Claims Example

Tradesman Liability Claims Example

Whilst fixing new facia boards to a local property a builder drops his hammer which falls 10 metres onto a passer by causing a head injury. The tradesman receives a claim for shock and injury as well as loss of earnings. Total claims estimates exceed £15k.

How Much Does It Cost to Insure a Takeaway?

How Much Does It Cost to Insure a Takeaway?

Prices start from as little as £50 (plus insurance premium tax), but the specific cost of cover depends on a number of simple rating factors:
• The size of the business (number of people working manually or the turnover)
• The type of trade and/or split of work being carried out
• Required limit of indemnity
• Experience and any claims history

How Much Tradesman Liability Cover Do I Need?

How Much Tradesman Liability Cover Do I Need?

There is no simple answer to how much cover you need and best advice is always to consider you individual circumstances, both in terms of the work you carry out and the premises you work at. Think about the maximum property damage you could cause as well as the risk to the public.
If you are sub-contracting to another firm it is likely that they will specify a minimum level of cover required. Typically this will start from £2m for public liability, but can rise to £5m when working on larger projects or for the local authority.