Combined Sports Club Insurance Package

One comprehensive insurance policy covering liability, members, staff, equipment and facilities

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We compare combined sports club insurance from leading UK insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich

What Is a Combined Sports Club Insurance Package?

A combined sports club insurance package brings together multiple essential covers into one single, cost-effective policy. Rather than arranging separate insurance policies for liability, members, staff, equipment and facilities, a combined policy provides joined-up protection designed specifically for how sports clubs operate.

Whether you run a grassroots club, amateur or semi-professional organisation, community sports association or multi-team club, a combined sports club insurance policy simplifies administration, reduces gaps in cover and often delivers better value than standalone policies.

Insure24 arranges tailored combined insurance packages for sports clubs across the UK, ensuring compliance with legal requirements, league rules and venue conditions while protecting the club’s finances and leadership.

What Does a Combined Sports Club Insurance Policy Include?

  • Public Liability Insurance – cover for injury or property damage to spectators, visitors and third parties
  • Employers’ Liability Insurance – legally required cover for staff, coaches and volunteers
  • Personal Accident Insurance – financial benefits for injured members, players and officials
  • Participant Injury Cover – support for sports-related accidental injuries
  • Equipment & Contents Insurance – kits, training equipment, goals and storage
  • Buildings & Clubhouse Insurance – pavilions, changing rooms and social facilities
  • Management / Committee Liability – protection for directors, trustees and committee members
  • Events & Match Day Cover – tournaments, fundraisers and club events

Why Choose a Combined Policy Instead of Separate Covers?

Many sports clubs start with individual insurance policies added over time. This can lead to duplication, gaps in cover, inconsistent policy terms and unnecessary cost.

A combined sports club insurance package is designed holistically, ensuring each section works together and responds correctly in the event of a claim. This is particularly important where incidents involve multiple parties, such as injured players, volunteers and spectators.

  • Simpler administration with one renewal date
  • Reduced risk of uninsured exposures
  • Better value compared to standalone policies
  • Clearer claims handling and responsibility
  • Consistent policy wording across all sections

Who Is a Combined Sports Club Insurance Package Suitable For?

  • Football, rugby, cricket and hockey clubs
  • Martial arts and combat sports clubs
  • Swimming, athletics and gymnastics clubs
  • Multi-sport community organisations
  • Youth, junior and academy clubs
  • University and college sports clubs
  • Clubs operating clubhouses, bars or facilities

How a Combined Policy Responds to Real-World Claims

Combined sports club insurance is designed to respond effectively when incidents cross multiple areas of risk. Common scenarios include:

  • A volunteer injured while setting up match equipment
  • A player injured during training with no fault involved
  • A spectator injured due to unsafe access areas
  • Damage to club equipment stored on site
  • A claim against committee members for management decisions

With a combined policy, all relevant sections work together, avoiding disputes between insurers and ensuring faster claim resolution.

How Much Does a Combined Sports Club Insurance Package Cost?

The cost of a combined sports club insurance policy depends on the size of the club, number of members, type of sport, facilities owned, use of volunteers and overall risk profile.

Smaller grassroots clubs may secure combined cover from a few hundred pounds per year, while larger clubs with paid staff, buildings and multiple teams will require more comprehensive limits.

Insure24 compares specialist insurers to secure competitive premiums while ensuring your club is properly protected.

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Combined Sports Club Insurance – FAQs

+-What is a combined sports club insurance package?

It is a single policy that combines multiple essential covers such as public liability, employers’ liability, personal accident, equipment and management liability.

+-Is a combined policy cheaper than separate policies?

In most cases, yes. Combined policies are usually more cost-effective and reduce duplication.

+-Does it meet league and venue requirements?

Yes. Combined sports club insurance can be structured to meet league rules and venue conditions.

+-Can cover be tailored to my club?

Yes. Limits, sections and extensions can be adjusted to suit your club’s activities.

+-Does the policy cover volunteers?

Yes. Volunteers are usually covered under employers’ liability and personal accident sections.

+-Can I add cover later?

Yes. Combined policies can be amended mid-term as your club grows or changes.

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