Olympic/European handball is fast, physical, and played in a relatively compact indoor space. That combination creates a higher likelihood of player collisions, slips, ball-impact injuries, and damage to sports hall fixtures. If you operate a handball venue (or a multi-sport sports hall that hosts handball sessions, leagues, camps, or tournaments), your insurance needs to reflect the reality of how the sport is played.
The right policy doesn’t just “tick a box” for landlords or local authorities. It protects your cashflow when a claim lands, helps you keep bookings moving after an incident, and gives you confidence when hiring out the space to clubs, schools, and event organisers.
This blog is aimed at UK-based:
Sports centres and leisure trusts
Private sports halls and multi-use indoor facilities
Schools, academies, and universities with lettings
Community clubs that own or lease a hall
Event organisers running handball tournaments
Operators with ancillary income (cafés, pro shops, vending, physio rooms)
There isn’t usually a single policy called “handball court insurance”. In practice, it’s a sports facility insurance package built around your venue, your activities, and your income model.
For most handball venues, the core is:
Public liability (injury to third parties, damage to third-party property)
Employers’ liability (legal requirement if you employ staff)
Property insurance (buildings, contents, sports equipment)
Business interruption (loss of income after an insured event)
Then you add the covers that match how you operate (e.g., hirers’ liability, professional indemnity for coaching, equipment breakdown, cyber, and legal expenses).
Handball has some predictable risk patterns. Insurers will often ask about these because they influence claims frequency and severity.
Indoor courts are typically sprung timber or synthetic sports flooring. Common issues include:
Wet patches from spillages or cleaning
Poorly maintained floor finishes (loss of grip)
Dust/chalk build-up
Transition areas (entrances, changing rooms, corridors)
A single slip can lead to serious injury claims, especially if a claimant alleges inadequate inspection or cleaning procedures.
Handball is contact-heavy. Even with good officiating, incidents happen:
Collisions at speed
Falls after contact
Finger/hand injuries from ball handling
Head injuries from impact
While player-to-player injuries may be dealt with via personal accident cover (often held by clubs), venues can still face claims if an injury is alleged to have been caused or worsened by the facility (e.g., unsafe floor, protruding fixtures, poor lighting).
Handballs travel fast. Repeated impacts can damage:
Sports hall lighting and protective cages
Scoreboards and timing systems
Windows, doors, and wall padding
Fire alarm call points or sensors
If you hire out the hall, you also need clarity around who is responsible for accidental damage and how it’s insured.
Handball goals are heavy and must be correctly anchored or weighted. Risks include:
Goals tipping or moving during play
Incorrect assembly or missing safety checks
Damaged nets, frames, or fixings
Insurers may want to know your inspection routine and whether you follow manufacturer guidance.
Tournaments bring additional risks:
Temporary seating and crowd control
Increased footfall
Food/drink spillages
External contractors (AV, catering, security)
If you host events, you may need higher liability limits and better documentation around event management.
If you run youth coaching, camps, or school sessions, safeguarding expectations rise. While safeguarding failures aren’t “insured away”, insurers will look for:
DBS checks where appropriate
Supervision ratios
Clear incident reporting
First aid provision
Many sports halls are part of larger buildings with changing rooms, showers, and plant rooms. Typical property claims include:
Escape of water from plumbing
Storm damage to roofs
Fire from electrical faults
Smoke damage and closure
These claims can be expensive because the real cost is often downtime, not just repairs.
Public liability covers your legal liability if a member of the public is injured or their property is damaged due to your negligence.
For handball venues, “the public” can include:
Players and coaches (as visitors)
Spectators
Visiting clubs
Contractors
Parents and carers
Typical claim examples:
A spectator slips on a wet patch near the entrance.
A player is injured after slipping on a poorly maintained court surface.
A ball breaks a window in an adjacent area and the third party claims costs.
Common limit levels: Many facilities choose £2m–£10m depending on contracts, local authority requirements, and event size.
If you employ anyone (including part-time, seasonal, or casual staff), EL is generally a legal requirement in the UK.
Typical claim examples:
A caretaker is injured moving goalposts.
A staff member slips while cleaning the court.
A receptionist suffers injury due to an unsafe workstation setup.
This protects the physical assets you rely on.
Buildings: sports hall structure, roof, fixed seating, changing rooms
Contents: furniture, office kit, café equipment
Sports equipment: goals, balls, training aids, timing systems
The key is getting the sum insured right. Underinsurance can reduce claim payouts.
BI covers loss of income and some ongoing costs if you can’t trade due to an insured event (e.g., fire, flood, major escape of water).
For sports facilities, BI is often the difference between a painful incident and a business-threatening one.
Examples:
A burst pipe floods the hall and it’s closed for 8 weeks.
A fire in a plant room causes smoke damage and cancellation of bookings.
If you handle cash (events, vending, café), money cover can help. Theft cover may be important for:
Portable equipment
Stock
IT equipment
Insurers will ask about alarms, locks, CCTV, and keyholder procedures.
If you hire the hall to clubs, schools, or event organisers, you need to be clear on:
Your liability as the venue owner/operator
The hirer’s liability for their activities
Many venues require hirers to provide their own public liability insurance and to sign conditions of hire. Hirers’ liability cover can be useful where you want a safety net, but it should be structured carefully to avoid gaps or disputes.
If you provide coaching, training plans, or officiating instruction, PI can cover claims alleging negligent advice or instruction.
Example: A participant alleges poor coaching guidance contributed to an injury.
PA is not a liability policy. It can provide fixed benefits for injuries (e.g., fractures) and can be attractive for clubs, leagues, or membership packages.
Scoreboards, timing systems, boilers, and electrical systems can fail. Equipment breakdown cover can help with repair costs and sometimes associated losses.
Useful for contractual disputes, employment issues, and some regulatory matters (depending on policy).
If you take online bookings, process card payments, store member data, or run Wi‑Fi networks, cyber cover can help with:
Breach response costs
Business interruption from cyber incidents
Liability and regulatory support (where insurable)
Insurance is full of small print. The goal isn’t to memorise it all, but to know the usual pressure points.
Wear and tear / gradual deterioration: Poor flooring maintenance won’t be covered as “damage”.
Unattended theft conditions: Leaving doors unlocked or failing to set alarms can invalidate theft claims.
Heat work / contractors: Some policies require permits and controls for hot works.
Event exclusions: Some policies restrict certain events unless declared.
Abuse/molestation exclusions: Many liability policies have strict terms. If you run youth activities, you need to discuss this openly with your broker.
Underwriters typically want a clear picture of risk management. Expect questions like:
Is the venue single-sport or multi-use?
What activities run on site (handball, futsal, basketball, gymnastics, etc.)?
Do you host leagues/tournaments? How many spectators?
Floor type, age, maintenance schedule, and cleaning procedures
Condition and anchoring method of goals
First aid provision and incident reporting process
Safeguarding policies for juniors
Security measures (CCTV, alarms, access control)
Fire safety measures and inspection routines
Having these answers ready can speed up quotes and often improves terms.
You don’t need to turn your venue into a bureaucracy. A few consistent habits make a big difference.
Documented floor inspections: quick checks before sessions; log issues and fixes.
Cleaning controls: clear signage when floors are wet; schedule deep cleans outside peak times.
Goal safety checks: regular inspection of frames, fixings, and anchoring/weights.
Protect vulnerable fixtures: cages for lights, padding for walls, protected fire points where appropriate.
Clear conditions of hire: define responsibility for damage, supervision, and equipment use.
Incident reporting: simple forms, photos, and witness details captured quickly.
Contractor management: verify contractor insurance and method statements for higher-risk work.
Costs vary widely. Premium is influenced by:
Turnover and booking income
Claims history
Liability limit required
Building rebuild value and sums insured
Floor type and condition
Number of users, age groups, and event frequency
Security and fire protections
The best way to control cost is to ensure your policy matches your real exposure (no big gaps, no unnecessary add-ons) and that your sums insured are accurate.
Use this as a quick sense-check before renewal:
Public liability limit meets contract requirements
Employers’ liability in place (if any staff)
Buildings and contents sums insured reviewed
Business interruption included with a realistic indemnity period
Lettings/hirers arrangements documented and insured correctly
Coaching/instruction covered if you provide it
Equipment breakdown considered for key systems
Cyber cover considered if you take online bookings and store data
Risk assessments, inspection logs, and incident reporting in place
If you run a handball court or multi-sport facility, we can help you arrange insurance that fits how your venue actually operates—whether you’re a community sports hall, a school with lettings, or a private operator hosting tournaments.
We’ll talk through your activities, your hire model, and your risk controls, then source cover that protects your venue, your income, and your reputation.
Call 0330 127 2333 or visit insure24.co.uk to discuss handball sports facility insurance.
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