Specialist sports club insurance designed for your sports club facilities and sports business
Sports club insurance through Ripe can include Public Liability, Building and Contents, Equipment, Business Interruption and Employers’ Liability, meaning your sports business, sports club facility, and employees can be covered under one policy. Previously available to buy through Insure4Sport, part of the Ripe group, sports club insurance is now available to purchase online directly through Ripe. The Ripe group has years of experience arranging insurance for sports clubs and their facilities, and it is now available to buy quicker, online. Meaning you could get insurance for your sports club or sports business and be covered instantly.
Looking for gym insurance? Find out more about Gym & Studio insurance through Ripe.
Why choose Ripe for sports 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 sports club insurance cover?
There are several options and policy inclusions, and exclusions available through a Sports Club insurance policy through Ripe. These can include:
Sports club insurance
- Public and Products Liability – up to £10m
- 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
- 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
- Specialist Equipment and Portable Equipment
- Stock up to £100k
- Business Interruption – up to be £500k
- 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
- Frozen foods
For the full policy wording and details on what is and is not covered under a sports club insurance policy, visit the Important Documents.
Public liability insurance for sports clubs
Sports clubs may be liable for injuries that occur on their premises. Public liability insurance can help provide financial protection in case of a claim arising from accidents such as:
- a member of the club tripping and being injured on club grounds
- a ball hitting a spectator
- a visitor trips over a lose rope or piece of equipment
- a member of your club damages a third-party’s property
Do sports clubs need Public Liability insurance?
Although it is not a legal requirement, having public liability insurance can help to financially protect you if any claims arise from a member of the public being injured or their property is damaged as a result of the club’s activities, or if your club interacts with the public in any way.
Some national sports bodies, like the FA or Sport England, may require you to have proof of insurance in different situations, for example, if you need additional funding or affiliation.
Additionally, if your club employs staff in the UK, Employers’ Liability insurance is legally required. Employers’ Liability can be taken out on its own policy through Ripe or selected alongside other cover.
What types of sports clubs can I get cover for?
Sports club insurance through Ripe covers various types of different types of sports clubs.
Common sports clubs available to insure through Ripe include:
- Football clubs
- Martial arts clubs
- Boxing clubs
- Hockey clubs
- Gymnastic clubs
- Bowling and bowls clubs
- Badminton clubs
- Swimming pools
- Running clubs
- Driving ranges and crazy golf
- Cheerleading clubs
- Gyms & studios
Plus, many more. The best way to find out if you can insure your sports club is to get a quick online quote.
Sports clubs not available to be insured through Ripe include:
Cricket, Rugby, Tennis and Golf clubs.
-
What is covered under sports club business interruption insurance?
Business interruption insurance is designed to help cover your sports club or sports business in the case that you have to shut your club down due to unforeseen events such as flooding or fire damage to your facilities. As this could result in a significant drop in income, this type of cover could help to cover lost revenue or ongoing expenses such as staff wages or rent while your club is unable to operate.
Is my sports club equipment covered?
Yes, through Ripe, your sports club equipment would be financially protected if your equipment were stolen or accidentally damaged, where this cover is chosen.
Is my sports pitch covered?
Yes, Specialist Equipment cover can cover damage to specialist equipment such as ground maintenance equipment, playing surfaces, floodlights and furniture kept in the open.
Please note that damage caused by weather is not covered for playing surfaces in this policy.
Who is covered under a sports club insurance policy?
Through Ripe, any of the following will be insured under the policy where the relevant cover is selected:
- Directors or Partners
- Committee member or officer
- Employees
- With public liability cover, you would also be covered to hire out your facility for social or fundraising events
How much does sports club insurance cost?
How much your sports club insurance will cost will depend on several factors, including:
- the size of your sports club
- the location of your sports club
- the level of cover you need
- the cover chosen
The best way to get an accurate cost is to get a quick online quote.
Club and leisure guides
Club and leisure blog
Guides on sports clubs, leisure groups, & communities
Discover all of our blogs and guides, packed with tips for sports clubs, leisure activities, and community groups, from organising events and staying active to making the most of local facilities!
Club, leisure and community blogHow to start a football club: your step-by-step guide
Discover the fundamentals of starting a football club
From deciding on a name to dealing with funding, admin and matchday logistics starting a football club can come with a lot of new things to learn. We've gathered everything you need to know to get started.
How to start a football club