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.
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.
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.
Need Specialist Sports Club Insurance?
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?
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?
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.