Specialist sports club insurance for a wide range of sports
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Sports club insurance
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Why choose Ripe for sports club insurance?
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Protection for your playing surfaces
Cover can include your pitches and playing surfaces for damage caused by storm or flood.
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Choose up to £10m member to member liability with Public Liability
Cover includes up to £10m for claims if one participant injures another during sport, giving your club protection where it matters most.
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Cover for your buildings and facilities
Choose cover for your premises with up to £500k for damage from events like storm, theft or accidental damage, so your club has support when it needs it.
Why consider sports club insurance?
Running a sports club means juggling facilities, equipment, people and day‑to‑day responsibilities. From training sessions to match days, a lot goes into keeping everything moving. Specialist Sports club insurance through the Ripe can bring key covers together under one policy, including Public Liability, Buildings and Contents, Equipment, Business Interruption and Employers’ Liability.
Previously available through Insure4Sport (a Ripe brand), sports club insurance is now available online directly through Ripe. It’s a simpler, quicker way to get cover in place, so you can focus on the sport and the community around it.
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:
Public and Products Liability – up to £10m
Member to Member 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
Personal Effects
For the full policy wording and details on what is and is not covered under a fishery insurance policy, see our Important Documents page.
What clubs are covered?
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.
Sports club insurance FAQs
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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.
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Yes, through Ripe, your sports club equipment would be financially protected if your equipment were stolen or accidentally damaged, where this cover is chosen.
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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.
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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
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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.
Do sports clubs need Public Liability insurance?
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
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.
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