Specialist social club insurance for your community space
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Social Club Insurance
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Why choose Ripe for social club insurance?
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You choose what you're covered for
Whether it's a sports club or community group, pick the activity you want to be covered for.
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Cover for your team and members
Protection can extend to volunteers, committee members and staff, so your club is protected.
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Built for social clubs and events
Insurance designed around how your club runs. From regular meetups to special events, choose cover for your club so you only pay for what is needed.
Why consider social club insurance?
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.
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:
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 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 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.
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
Social Club Insurance FAQs
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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.
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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.
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: February 2026
Content reviewed by: Dan Dawson