Flexible cover for sporting clubs, leisure clubs and community groups
Whether you run a sports club, leisure club or community project, we understand how important your work is in your community. It’s where dreams are nurtured, skills are built, friendships flourish, and memories are created. Which is why what we provide is more than just insurance; it’s a promise to protect the very essence that makes your community thrive.
Backed by our specialists and years of experience, we provide flexible, tailor-made insurance that empowers you to do what you do best, confident you’re covered against risks that might come your way. Together we can ensure a secure and successful future for your work and your community.
Who and what we cover
Sporting clubs and facilities
If you run a sports business or club from a premises such as a gym or clubhouse, even your equipment, we can cover you whatever your sport - from balls to bats, running to riding, swimming to squash, you can build your own policy to suit your needs.
Leisure Clubs and premises
Whether you run a bingo, bridge or book club , an outdoor activity centre or a snooker hall ,, we’re here to make sure you can focus on keeping people’s interests sparked, knowing we’ve got you covered.
Community groups and buildings
Allotments, art galleries, youth clubs, soft plays, nurseries, libraries, social clubs and more If your community relies on you to bring people together, you can rely on us to support your venture with specialist, tailor-made insurance to help keep your community thriving.
Why choose Ripe?
Easy online experience
Getting a quote and taking out your cover online is quick and simple. And to make the whole experience even easier, we’ve done away with any lengthy forms and cut out any confusing jargon.
Tailored in your interest
We know that every group and club, and what they bring to communities, is unique. Which is why we give you the flexibility to tailor your policy, so you only ever pay for what you need.
Helping your budget go further
We know your budgets are a big consideration. Which is why we focus on providing cover that doesn’t break the bank, so you can concentrate on allocating more resources towards what truly matters.
What does our insurance cover?
Sporting clubs insurance
Cover options
- Public and Products Liability
Protects your business’ liability in claims for injury to third parties or damage to their property.
- Member to Member Liability
Protects your business’ liability arising from bodily injury caused by any participant to any other participant during a sports session.
- Management Liability
Covers the business’ liability for wrongful acts committed by the organisation’s directors, officers, or trustees.
- Professional Indemnity
Protects the business’ liability for compensation and costs arising from negligent advice given to a client in return for a fee.
- Employers’ Liability
Covers the business’ liability arising out of bodily injury to employees.
- Loss of Licence
Covers loss of Gross Profit suffered because of losing the alcohol licence for the business.
- Business Interruption
Covers the reduction in gross revenue and increased costs of working to reduce the reduction in gross revenue following a successful claim.
- Money Cover
Covers money at the premises, in transit, or at the residence of a director, partner or employee.
- Legal Costs
Covers legal costs for pursuing or defending a claim for various legal issues, including contract, tax, and employment disputes.
What's not covered
- Play inflatables (unless they are owned and operated by a third party with their own insurance)
- Soft play
- Trampoline parks
- Overseas activities (other than attending competitions, meetings, conferences, or exhibitions)
- Residential facilities (other than camping, holiday camping or youth hostel stays for up to 7 nights).
- The use of welding, cutting equipment/torches, chainsaws, powerlifting, metal working or woodworking machinery (other than powered hand tools)
- Professional sports clubs
- Racing, horse riding, hunting, or other animal sports
- Motor activities
- Use of airborne lanterns
Leisure and Community groups
Cover options
- Public and Products Liability
Protects your organisation’s liability in claims for injury to third parties or damage to their property.
- Management Liability
Covers the organisation’s liability for wrongful acts committed by the directors, officers, or trustees.
- Employers’ Liability
Covers the organisation’s liability arising out of bodily injury to employees.
- Business Interruption
Covers the reduction in gross revenue and increased costs of working to reduce the reduction in gross revenue following a successful claim.
- Money Cover
Covers money at the premises, in transit, or at the residence of a director, partner or employee.
- Legal Costs
Covers legal costs for pursuing or defending a claim for various legal issues, including contract, tax, and employment disputes.
- Buildings
Covers damage caused by perils such as storm, theft and accidental damage to the building belonging to or leased by the organisation.
- Fixtures, Fittings and Tenants Improvements
Covers damage caused by perils to fixtures, fittings, and any tenant improvements that the customer has been responsible for.
- General Contents
Covers damage caused by specified perils to any contents kept within the organisation’s property.
- Specialist Equipment
Covers damage to specialist equipment present at the property.
- Stock
Covers damage caused by specified perils to stock.
- Portable Equipment
Covers theft and damage to portable equipment used within the UK.
What's not covered
- Play inflatables (unless they are owned and operated by a third party with their own insurance)
- Soft play
- Overseas activities (other than attending competitions, meetings, conferences, or exhibitions)
- Residential facilities
- The use of welding, cutting equipment/torches, chainsaws, powerlifting, metal working or woodworking machinery (other than powered hand tools)
- Professional sports clubs
- Racing, horse riding, hunting, or other animal sports
- Motor activities
- Use of airborne lanterns
We're carbon neutral!
Help protect the future of our communities
We’re proud to say that we’re a Carbon Neutral business. Plus, from our pledge to achieve Net Zero by 2050, to supporting communities through volunteering and charity support, you can feel good about choosing us for your insurance, knowing that we’re not only committed to protecting the planet, but our communities, too. Just like you.
Take a look at our approach to sustainability
Why choose us?
Choose a specialist to help you keep moving forward successfully, knowing you’re covered for risks that come your way:
- We’re specialists in what we do
Since 2011, clubs have trusted us to be their partner and support them with protection that covers all their needs.
- Be kind to your pocket
Always working with you to ensure you get the very best quality insurance, without breaking the bank.
- Keeping it personal
We appreciate the personal touch just as much as you do. Our UK-based customer service team are on-hand and happy to help.
- We love what you love
Being right at the heart of the community matters to us too. We think we’d get along great.