Specialist football clubhouse insurance for amateur, grassroots, and Sunday league football clubs
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Football Club Insurance
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Why choose Ripe for football club insurance?
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You choose what you're covered for
As a sports club you can choose the activity you want to be covered for.
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Cover for players, staff and volunteers
Protection can extend to everyone involved in your club, so your team is looked after.
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Built for how football clubs run
Specialist cover designed around match days, training and club operations, so it works the way your club does.
Specialist insurance for football clubs
Your clubhouse sits at the centre of club life. It is where players prepare, equipment is stored, events are hosted and supporters come together. With so much happening in one place, it makes sense to think about how it is protected.
Specialist football club insurance by Ripe can help financially protect your facilities, members and visitors if something unexpected happens. You can also explore other specialist sports club and leisure group insurance options by Ripe, depending on how your club is set up. It is about supporting the spaces and people that keep your football community going, on and off the pitch.
What does football club insurance cover?
There are a variety of cover options available with a football club insurance policy by Ripe. Some highlights of a policy through Ripe include:
Public and Products Liability – up to £10m for football training and match days
Member to Member Liability – up to £10m for any claims arising out of bodily injury caused by any participant to any other participant whilst practising or participating in sports. Member to Member Liability is only available to sports club insurance policies.
Employers’ Liability – up to £10m for coaches and staff you employ at your football club
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 - such as goals, balls, and football training aids
Stock up to £10k
Professional Indemnity, including claims where someone has sustained an injury due to advice given
Personal Injury caused by a participant unless Member to Member is selected (this option is only available on a sports club policy)
Personal Effects
Wear and tear
For the full policy wording and details on what is and is not covered under a football club insurance policy, view our Important Documents page.
Can I get cover for under-18s football clubs?
Through Ripe, you can get cover for children’s, junior, and youth football clubs. There is no lower or upper age limit for who can be included on a football club insurance policy, so you can be financially protected for club members of all ages.
Football Club Insurance FAQs
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While having insurance in place for your football club is not a legal requirement in the UK, you may want to consider getting specialist insurance to help provide financial protection should an accident occur.
FA affiliation is also mandatory in the UK to participate in competitive football, and it requires you to have Public Liability and Personal Accident cover as a minimum to be able to register with your local County Football Association and compete in local football leagues.
Lastly, if you employ any staff to help run your football club, you are legally required to have Employers’ Liability insurance as a minimum.
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With a specialist football club insurance policy through Ripe, you have the option to include Member to Member Liability in your policy, which provides financial protection should one of your players injure another player while playing football, and they decide to make a claim against your club.
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The cost of a football club insurance policy through Ripe will vary from club to club based on the type and level of cover you wish to purchase. The fastest way to find out how much your policy could cost is to get a football club insurance quote online today.
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When you register your club with the FA, the cost of Public Liability cover is included in the affiliation fee, with the option to purchase Personal Accident insurance at an additional cost*. However, you may find you won’t have cover for:
Your building and its contents
Fixtures, fittings, and tenants’ improvements
Specialist and portable equipment
Stock
To include cover for the above, you may want to consider getting a specialist football club insurance policy.
*Correct as of March 2026
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Content reviewed: February 2026
Content reviewed by: Dan Dawson