Insurance for clubs, leisure organisations, and community groups — designed to let you build a policy that suits your needs.
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Club, Leisure and Community Group Insurance
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Why choose Ripe for club leisure insurance?
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Cover in one place for clubs and organisations
Choose from the cover you want in one place, including Public Liability, Employers’ Liability and cover for property, so you can focus on running your group.
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Cover for the people who support your organisation
Protection can extend to employees, volunteers and helpers, so everyone involved is covered.
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Choose the cover you want for clubs and community groups
Insurance designed for activities, allowing you to choose cover options, meaning you won't pay for any cover your organisation doesn't need.
Specialist insurance for sports and social clubs, community groups, hobby organisations, and leisure or hospitality businesses.
If you run a club or group, there’s a lot going on behind the scenes. You might be welcoming the public, working with children, or relying on equipment to keep things running. With all that comes everyday risk and sometimes, things don’t go to plan.
That’s where specialist insurance comes in. Ripe has years of experience supporting people in the sports, leisure and community space, helping protect the activities that bring people together, so you can focus on enjoying them.
The clubs, communities and groups covered
What does club, leisure and community cover?
Through Ripe, a club leisure insurance policy can include a range of options, with different inclusions and exclusions, such as:
Public and Products Liability – up to £10m
Employers’ Liability – up to £10m
Building cover – up to £500k for damage caused by specific perils such as storm, theft or accidental damage
Fixtures, Fittings and Tenants Improvements – up to £100k
General contents – up to £250k
Equipment and Portable Equipment
Stock up to £10k
Business Interruption – up to £500k
Professional Indemnity, including claims where someone has sustained an injury due to advice given
Personal Injury caused by a participant
Personal Effects
For the full policy wording and details on what is and is not covered under a fishery insurance policy, see our Important Documents page.
Meet our club leisure insurance expert
“A common cause of club leisure insurance claims is accidental damage. It’s important to encourage attendees to stay aware of their surroundings during activities. To help your insurer validate your claim if your equipment is accidentally damaged, keep any documents you have relating to your purchase, such as the original receipt, a valuation, or photographs.”
Dan Dawson
Head of Underwriting
What can club, leisure and community insurance cover?
Depending on what you’re looking for, specialist sport club, leisure and community insurance through Ripe has a wide range of options for you to build a policy to suit you and your business or group. This cover can include:
Public and Products Liability – This cover is intended to help financially protect you against risks occurring via bodily injury to third parties or damage to their property caused by an activity your organisation has undertaken.
Employers’ Liability – This cover is a legal necessity if you have any number of employees. Employers’ Liability helps financially protect against injuries caused to an employee while they are working for your business or organisation.
Management Liability – This helps financially protect against any wrongful act committed by a person acting as a director, officer or trustee of your organisation.
Building cover – This cover is available to help financially protect you against perils that may cause damage to the building that you are responsible for insuring, whether it be owned or leased by your organisation.
Fixtures, Fittings and Tenants' Improvements – can cover damage caused to any fixtures, fittings and tenants' improvements that you have been responsible for.
General contents – can cover damage to contents kept within the property of the organisation
Stock – can cover damage caused to stock, wine, spirits and tobacco
Money - If money were to be taken from your premises, whether it be in transit or in a bank night safe, this could help to provide cover.
Business Interruption – Can cover loss of gross revenue as a result of a valid claim under the property damage section.
For more information on what the specific perils are, the policy wording and details on what is and isn’t covered, visit the Important Documents.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Content reviewed: May 2026
Content reviewed by: Dan Dawson