There are probably in excess of 600,000 sports clubs in the UK
today. These can range from sports such as Football and Cricket to
Clay Target Shooting and Indoor Carpet Bowls. Each club will likely
require a different amount of Insurance protection.
There are three main types of Insurance Protection, Property,
Liability & Accident. It is important to understand the core
||It is the requirement of all clubs to assert a duty of care for
the safety & wellbeing of all involved in the club. A Public
Liability policy provides protection for the club if it breaks this
duty of care & is deemed negligent of injury to somebody or
damage to something. Out of all the covers your club may require
Public Liability would be top of the list.
||Sports and social clubs who own their own facilities can also
obtain buildings and contents insurance which covers the cost of
replacing the structure of the property. The buildings policy will
likely offer cover for the buildings contents, this would extend to
||Or, to give it its proper name Personal Accident Insurance.
This is a type of cover that will allow for a club to protect
itself in light of serious injury from or in connection with the
sport. A typical policy could give a monetary sum for a broken bone
or a more serious permanent disablement. Temporary or weekly
benefits are also common to help with the costs of being unable to
work because of the injury. The key difference to Public Liability
is that there needs to be no proven negligence as the cause of
injury in order for a payment to be made.
UK clubs benefit from one of the greatest support networks in
Europe, whether it be a government agency such as the Central
Council of Physical Recreation or Sport England.
The most supportive of all groups to your individual sport or
club is likely to be your National Governing Body or Regional /
County Association. This should be your first port of call in
understanding the Insurance requirements for your sport.
Your Sports Association is likely to represent high numbers of
clubs in a similar position to yourself. Quite often the Regional
or national association will already have assessed the insurance
requirements for your sport and have a recognised scheme for you to
join. If this is not the case, here is some additional information
to bear in mind.
What's the Benefit of Sports Insurance?
The main benefit is allowing for peace of mind in respect of a
negligent act brought against your club. More often than not an
action will be brought against the club as it is the club that is
required to uphold a duty of care to its members.
Insuring the club allows for its officers to get on with running
the club and delivering a safe and comfortable environment to
partake in club activities.
My Club doesn't participate in a Dangerous Sport - How would it
Sports insurance doesn't just benefit clubs who take part in
dangerous or extreme sports. Insurance for normal sporting
activities like football, cricket, rugby, badminton, tennis and a
host of others can be equally likely to cause injury. Quite often
the more hazardous sports have the greater risk prevention
- Check with your National or Regional Sports Association for any
Insurance your membership with them may give or allow you access
- Ascertain what risks you feel your club has. Whether it be
material damage for equipment & buildings or its members safety
& welfare. Can you control these risks your self? If not you
should turn to Insurance for protection.
- There are many Sports Insurance providers, each preferring to
insure different sports or types of Insurance. In choosing the
right Insurance Broker you should look for endorsement from your
sport, a similar club or look for a company with a long &
proven track record.
Author: Paul Nicholson (Towergate tlc)