Specialist social club insurance for your community space
Social club insurance through Ripe can help provide financial protection for a wide range of social clubs, allowing you to focus on growing and supporting your group within the community.
Whether it's a Labour, Conservative, Liberal, Working Men’s Club, or Rotary Club, your social club is a cherished hub of community engagement and camaraderie. At Ripe, we understand the significance of these groups, which is why we’ve made it as easy as possible for you to build an insurance policy that’s right for you.
Why choose Ripe for social club insurance?
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 to 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 that 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 social club insurance cover?
There are several options, policy inclusions, and exclusions available with a social club insurance policy through Ripe. These can include:
Social club insurance
- 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 £100k
- 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 in your social club
- Personal Effects
For the full policy wording and details on what is and is not covered under a social club insurance policy, visit our Important Documents.
What is Public Liability insurance for social clubs?
Having public liability insurance in place for your social club can help provide financial protection should an accident occur and a third party decide to make a claim against you. This includes:
- a member of the club tripping and being injured on club grounds
- a visitor suffering an injury due to a loose piece of equipment
- a member of your club damaging a third party’s property
What types of social clubs can I get cover for?
Social club insurance through Ripe includes cover for a range of different social clubs, including:
- Rotary club insurance
- Working men’s club insurance
- Poetry club insurance
If you can’t see your social club mentioned in this list, the best way to find out if you can insure your social club through Ripe is to get a quick online quote.
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Do social clubs need insurance?
While it’s not a legal requirement for social clubs to have insurance, you may want to consider it to help provide financial protection should the worst happen. It’s always a good idea to check with your local authority or with any venues you hire for events, to make sure that you meet the insurance requirements they may have. If you employ any staff as part of running your social club, you’ll also need Employers’ Liability insurance as a minimum.
Do I need insurance to run a kids' club?
If you run a social club for children or a youth club, you are not legally required to have insurance unless you employ staff (in that case, Employers’ Liability insurance would be required). However, you may still want to consider getting social club insurance to help financially protect yourself, your building, and its contents in the event of an accident.
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