FAQ's - Sports Club Insurance

What is club insurance?
Why do we need Public Liability cover?
Why do we need Employer Liability cover?
What does Fidelity Guarantee cover?
Why do Directors, Trustees & committee members need cover?
Is Member 2 Member included included?
Is Participant 2 Participant liability included?
What does Clubhouse Insurance cover?
Is Business Interruption cover included?
What is club insurance?

This policy protects your sports club against all eventualities.
This Sports, Social, Health & Leisure product is available on a commercial combined, property or liability only basis, and is designed to cater for a variety of amateur sports clubs, private member social clubs, health, leisure, fitness and gymnasium centres.

The choice of cover can include some or all of the following:

Public Liability
Employers liability
Clubhouse Insurance
Fidelity Guarantee
Directors & Officers Liability
Business interruption
Legal expenses

Why do we need Public Liability cover?

Public liability insurance covers the cost of legal action and compensation claims made against your business if a third party is injured or their property suffers damage whilst at your premises.

Why do we need Employer Liability cover?

If your club employ members of staff, it is a legal requirement to obtain Employers’ Liability. This covers the club should a member of staff blame it for injury or property damage.

What does Fidelity Guarantee cover?

Fidelity Guarantee Insurance provides cover against the financial loss suffered by the club as a result of fraud/dishonesty by employees of the club.

Why do Directors, Trustees & committee members need cover?

This type of cover offers financial protection to those who are a director, trustee or an officer of the club. It is designed to cover the cost of claims for compensation made against the individual.

Is Member 2 Member included included?

Yes. This is automatically included with Public Liability cover, but does not cover contact sports.

Is Participant 2 Participant liability included?

Yes. This is automatically included with Public Liability cover, but does not cover contact sports.

What does Clubhouse Insurance cover?

This covers property damage or loss.

Is Business Interruption cover included?

This is an optional extra that can be included on your policy.

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