Sports Club Insurance
Coming soon for those who run sports clubs and societies in their local community.
What is sports club insurance?
Sports club insurance is designed to protect sports-based small businesses financially in case of an accident or third-party claim. At Ripe, the cover is flexible and protects those running sessions across multiple venues to those hiring out their premises.
Why should I consider sports club insurance?
There’s nothing more exciting than launching your own sports business, but it’s easy to forget that the heightened responsibility can carry its risks.
Sports club insurance is designed to protect you and your business in the worst-case scenarios so you can get back up and running in the event of a claim.
Say one of your clients slips during a session and makes a claim against you, or a property you’re liable for is damaged in a fire—this could devastate your business if you don’t have financial protection in place.
Plus, clients are more likely to join a sports club with insurance as it shows the owner is responsible and cares about their members.
What sports clubs are covered?
Through Ripe sports club insurance can be arranged for a wide range of customers, businesses and organisations who provide activities and services to members of the community.
The variety of clubs and societies that can be covered includes:
- gyms
- clubhouses
- outdoor activity centres
- football clubs
- netball clubs
- cricket clubs
- bowling clubs
- swimming clubs
- hiking groups
- cycling groups
- and more
Watch this space to learn more about the cover.
Do I need Public Liability insurance for a sports club?
You’re not legally required to hold Public Liability cover as part of your sports club insurance policy. However, you may find that protecting your business against third-party claims gives you more peace of mind.
Say a client slips on a wet floor inside your premises and injures themselves. Having Public Liability cover would prevent your business from paying out huge compensation costs so you can continue running sessions worry-free.
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How much does sports club insurance cost?
The cost of sports club insurance varies depending on a few factors that can affect the premium, including:
- annual turnover
- number of employees
- the location of your business
- the type and level of cover you choose
Many companies only provide pre-bundled packages, which can mean you end up paying for add-ons you never use.
Does sports club insurance cover volunteers?
Yes—the Employers’ Liability cover option provides cover for volunteers and employees.
Is sports club insurance a legal requirement?
Sports club insurance is a legal requirement for those who employ others—you should have Employers’ Liability cover at the very least to protect your business against claims from employees.
Other forms of cover aren’t compulsory, but you may want to consider protecting your business against other risks, such as third-party claims, business interruption, and the theft or damage of equipment.
Can we get cover if we meet in different locations?
Yes—this sports club insurance covers those who hire out venues alongside those who own their premises.
Is cash kept at the premises covered?
You can select Money Cover as an optional add-on, which covers money kept at the premises for damage caused by specified perils.
Is equipment covered when taken out of the sports club?
We arrange sports club insurance with flexible cover options so you can get the right cover for your business. The Portable Equipment option covers theft and damage to portable sports equipment if it’s used within the UK only.
