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"Covering our staff and members was our top priority, thanks Primo."
At Primo, we like all our clients to feel this way

Sports Club Insurance: Comprehensive Protection for Your Passion

The UK's sporting landscape is a vibrant tapestry, woven with threads of tradition, passion, and community. From cricket greens echoing with summer sounds to Olympic arenas hosting dreams, sports are an integral part of British life.
At Primo, 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, your members, and your assets, allowing you to focus on the game you love.

Key Features of Our Sports Club Insurance

  • Public Liability:

    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:

    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:

    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.

Why Choose Primo for Your Sports Club Insurance?

  • Comprehensive Cover Options:

    We offer a wide array of insurance options, from essential public liability and employers' liability to comprehensive commercial combined policies, ensuring every facet of your club's operations is protected.
  • Expertise in Diverse Sports:

    Whether you run a football club, a cricket club, a rugby league, or any other sports organisation, our brokers have the expertise to assess your specific risks and design a tailored insurance package that meets your needs.
  • Protection for Your Assets:

    We can arrange cover for your playing surfaces, stands, dugouts, floodlights, and other valuable assets, ensuring you're financially secure if the unexpected happens.
  • Member & Player Liability:

    Protect your club from claims arising from injuries sustained by members or players during non-contact sports activities.
  • Professional Advice & Support:

    Our experienced brokers will work closely with you to understand your club's unique requirements and guide you through the insurance process, ensuring you have the right cover in place.
  • A-Rated Security:

    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 Primo, 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.
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Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
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Questions
Your assigned broker is happy to answer your concerns. Alternatively check out the FAQ directly below.
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Protected
Okay so you're all covered, that peace of mind is great. But should you ever require our help further request a callback.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker will always be happy to answer your questions and concerns. Alternatively Please take a look at the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Excellent, you're all covered, that peace of mind is great, one less thing to worry about. But should you ever require our help further request a callback.

Sports Club Insurance FAQ:
Your Guide to Protecting Your Club and Members | Primo

  • What is sports club insurance, and why do I need it?

    Sports club insurance is a specialised type of insurance policy designed to protect amateur and semi-professional sports clubs from various risks. This includes financial losses due to accidents, injuries, property damage, and other liabilities that may arise 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 occurring during your activities. 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 as soon as possible 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's 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 and maintain 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.
Chalk board with the words, where do I start?, written in white chalk
Straightforward
Simply fill out our quote form with as much detail as possible. Once our brokers receive your form they will begin the quote process.
Chalkboard with question written in white and we can help in yellow
Questions
Your assigned broker will always be happy to answer your questions and concerns. Alternatively Please take a look at the FAQ directly below.
Chalkboard with consulting written across the middle.
Protected
Excellent, you're all covered, that peace of mind is great, one less thing to worry about. But should you ever require our help further request a callback.

Finding you the right sports' club cover at the right time.

Tailoring your cover to match your business' needs is something we pride ourselves on at Primo. See below for typical examples of cover and options you may require.

All Risks Premises Only

This comprehensive coverage automatically protects your business premises from a wide range of unexpected events, such as fire, theft, vandalism, and accidental damage. It safeguards your building, equipment, and stock at the address listed on your policy. Specific exclusions will be clearly detailed in your policy documents.
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All Risks on Specified Property

The same cover as above but for specified properties this is cover most mobile business should consider. There is also geo-location all risks which would cover you for the whole of England or Europe if you do events etc.

Business Interruption

Covers money held on your premises such as cash floats for your soft play food counter. Insurers will often place a limit on the cash amount covered.
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Material damage at the insureds premises only

After a natural disaster or a forced entry there is often a lot of damage to your property and this is often covered by material damage insurance.

Money on Premises

For more information on our motor fleet policy please click on the link below.
money
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Goods in Transit

This will cover stock and equipment that is being transported from point A to point B. There may be exclusions such as equipment must not be left in the vehicle overnight. Please speak to your broker for more details.

Glass Cover

Covers emergency call out to fix or replace damaged windows and door glass.
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White van

Commercial Fleet

For more information on our motor fleet policy please click on the link below.