Sport's Club Insurance
Comprehensive protection for your sports hub.
Why Choose Howden for Sports Club Liability Insurance?
Howden is the new name for Primo.
When it comes to securing the right liability insurance for your sports club, Howden takes pride in simplifying the process. As a trusted insurance broker, we draw on our strong partnerships with leading sports and leisure insurers to compare multiple policies, ensuring a quick and seamless experience. Our goal is to handle the details so you can focus on what matters most—running your club smoothly and keeping your members safe.
We recognise that every sports club has unique needs, so we provide a personalised service. Whether you require comprehensive liability cover or a specialised policy, we take the time to understand your specific requirements, ensuring that your insurance package is tailored to fit.
At Howden, we’re here for you—whether you need to secure a new policy, renew existing coverage, or make a claim. We’re committed to offering the support and peace of mind you need so you can focus on delivering the best sporting<
Benefits of working with Howden:
- You can trust us – we’re rated Excellent on Trustpilot.
- Our brokers are well-versed in the nuances of the sporting industry.
- We'll work with you to create a bespoke insurance package that meets your unique needs and budget.
- We leverage our relationships with top UK insurers to secure the best rates for our clients.
- Our dedicated team is committed to providing exceptional service.
Sports Club Insurance with Howden
The UK's sporting landscape is a vibrant tapestry woven with threads of tradition, passion, and community. Sports are an integral part of British life, from cricket greens echoing with summer sounds to Olympic arenas hosting dreams.
At Howden, we understand the unique challenges faced by amateur and semi-professional sports clubs. That's why we offer tailored insurance solutions to protect your club, members, and assets, allowing you to focus on the game you love.
Key Features of our Sports Club Insurance
Public Liability Insurance:
Safeguard your club against claims from members of the public who may be injured or have their property damaged due to your club's activities.
Employers' Liability Insurance:
Protect your club and employees (including volunteers) from compensation claims if they suffer injuries or illnesses as a result of their work for your club.
Commercial Combined:
This comprehensive package bundles together various types of cover, such as property damage, business interruption, and legal expenses, simplifying your insurance management.
Additional cover options for sports clubs
We can arrange additional cover for specific needs, such as coaching liability, fidelity guarantees, and non-negligent liability extensions.
Playing surfaces
Cover for damage or loss of use to your playing fields, courts, or pitches.
Stands, dugouts and floodlights
Protection for structures and equipment essential for hosting matches and events.
Member to member and player to player liability (excluding contact sports)
Cover for accidental injuries caused by members or players to each other during non-contact activities.
Coaching, tuition, instruction and advice liability
Protection for coaches and instructors against claims of negligence or errors in their professional guidance.
Fidelity guarantee:
Cover for financial losses caused by employee dishonesty or theft.
Non-negligent liability extension:
Protection against claims where your club is not legally liable but chooses to settle a claim for goodwill reasons.
Security: Lloyds & Company Market - A-rated
Your club's insurance is backed by the financial strength of Lloyd's & Company Market, providing you with peace of mind and reliable protection.
Your club's success is our priority
At Howden, we're more than just an insurance broker. We're your partner in safeguarding your sports club's future. Our personalised approach ensures your policy aligns with your unique needs and budget. Let us handle the complexities of insurance, so you can focus on fostering a thriving sporting community.
Contact our team of dedicated sports club insurance experts today to discuss your requirements and obtain a tailored quote.
Let's work together to protect your club's legacy and ensure it continues to flourish for years to come.
Sports Club Insurance FAQ: Your Guide to Protecting Your Club and Members
What is sports club insurance, and why do I need it?
Sports club insurance is a specialised policy designed to protect amateur and semi-professional sports clubs from various risks. These include financial losses from accidents, injuries, property damage, and other liabilities arising from club activities, matches, or events. It's essential because sports inherently involve risks, and without adequate insurance, clubs could face significant financial burdens that could jeopardise their operations.
What types of cover are typically included in sports club insurance?
The core types of cover include:
- Public Liability Insurance: Protects against claims from members of the public who suffer injuries or property damage due to club activities.
- Employers' Liability Insurance: A legal requirement if your club has employees (including volunteers), this covers compensation claims if an employee is injured or becomes ill due to their work.
- Commercial Combined Insurance: This comprehensive package bundles multiple covers together, such as property damage, business interruption, and legal expenses, providing a convenient and cost-effective solution.
What additional types of cover should I consider for my sports club?
Depending on your club's specific needs, you might also consider:
- Personal Accident Insurance: provides financial support for members or players who suffer injuries during club activities.
- Equipment Insurance: covers the cost of repairing or replacing sports equipment due to theft, damage, or loss.
- Directors' and Officers' Liability Insurance: protects club officials from personal liability in the event of claims alleging wrongful acts.
- Cancellation and Abandonment Insurance: compensates for financial losses if a club event is cancelled or abandoned due to unforeseen circumstances (e.g., bad weather).
How much does sports club insurance cost?
The cost of sports club insurance varies depending on several factors, including:
- Type of sport: Some sports are considered higher risk than others, which can affect premiums.
- Number of members: Larger clubs may face higher risks and, therefore, higher premiums.
- Level of cover: The more comprehensive the cover, the higher the cost.
- Claims history: A history of claims can lead to increased premiums.
Do I need insurance if my club only plays on public facilities?
Even if you use public facilities, your club may still be liable for injuries or damage that occur during your activities. Therefore, it's essential to have public liability insurance to protect your club from potential claims.
Can I get insurance for a club that participates in high-risk sports like rugby or boxing?
Yes, you can still get insurance for high-risk sports, but you may need to seek out specialist insurers who understand the unique risks involved. Be prepared for higher premiums than for lower-risk sports.
Does sports club insurance cover social events organised by the club?
Yes, you can usually extend your policy to cover social events organised by the club, such as fundraising events or end-of-season parties. This ensures you're protected from potential liabilities during these events.
What should I do if an incident occurs during a club activity?
If an incident occurs, follow your club's established emergency procedures and provide immediate assistance if necessary. Notify your insurance broker or insurer immediately and provide them with all relevant details.
How do I choose the right insurance provider for my sports club?
Research and compare different insurance providers, considering their experience with sports clubs, coverage options, premiums, and customer service. Seek recommendations from other clubs or sporting associations. It is crucial to choose a provider who understands the specific risks and needs of your sport and club.
Can I get a discount on sports club insurance if my club has a strong safety record?
Yes, some insurers offer discounts or reduced premiums for clubs with a proven track record of safety. Implement comprehensive safety policies and procedures, provide regular training for coaches and staff, and maintain well-maintained equipment to demonstrate your commitment to safety and potentially lower your insurance costs.
Coaches' Insurance
Specialist protection for sports coaches.
Let our team help you find a specialist policy that can provide adequate protection for you whilst you coach.
Event Insurance
Insurance policies perfect for all sporting events, big or small.
From local marathons to large scale sporting events, we can help you and your organisation find the right policy for your sporting event.
Water Sports Insurance
Insurance policies designed to specifically support Water Sport businesses
Speak to a member of our team and they can help you get your hands on a water sports policy that meets your expectations.
Leisure Club Insurance
Insurance protection for your leisure, fitness or social club.
Contact our team of insurance experts who can help you protect your leisure club.