Weather & Facility Damage Insurance for Sports Clubs

Protection against flood, fire, storm, subsidence and weather-related damage to sports facilities

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We arrange weather & property damage cover with leading UK insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich

Protecting Sports Clubs from Weather & Property Damage

Sports clubs often rely on physical facilities such as clubhouses, pavilions, changing rooms, storage units, floodlights, fencing and pitches. These assets are vulnerable to weather-related events including flooding, storms, fire and other natural perils.

Extreme weather events are becoming more frequent across the UK, and even a single incident can cause significant disruption to fixtures, training schedules and club income. Without appropriate insurance, the cost of repairs and reinstatement can threaten the long-term viability of a club.

Insure24 arranges specialist weather and facility damage insurance for sports clubs, providing protection against property damage, repair costs and associated losses following insured events.

What Does Weather & Facility Damage Insurance Cover?

  • Flood Damage – water ingress, surface water and overflow damage
  • Fire & Smoke Damage – accidental fires, arson and smoke contamination
  • Storm Damage – high winds, fallen trees and storm-related impact
  • Subsidence & Ground Movement – structural damage to buildings
  • Escape of Water – burst pipes and plumbing failures
  • Impact Damage – vehicles, equipment or debris striking buildings
  • Vandalism & Malicious Damage – often linked to storm or closure periods
  • Reinstatement & Repair Costs – restoring facilities to pre-loss condition

Sports Facilities Commonly Affected by Weather Damage

Weather and natural perils can impact a wide range of club-owned or club-operated facilities, including:

  • Clubhouses, pavilions and changing rooms
  • Floodlit pitches and lighting columns
  • Artificial and natural playing surfaces
  • Equipment storage containers and sheds
  • Perimeter fencing, gates and dugouts
  • Scoreboards, stands and spectator shelters

Insurance can be arranged for owned facilities or where the club is contractually responsible for repair or reinstatement.

Why Weather & Facility Damage Insurance Is Essential

Damage caused by flood, fire or storms can result in extended closures, cancelled fixtures and loss of revenue from memberships, events and bar facilities. In some cases, clubs may also face contractual penalties or reputational damage.

Weather & facility damage insurance helps clubs recover quickly by funding repairs and allowing activities to resume as soon as possible. When combined with business interruption cover, it can also help protect income during downtime.

Which Sports Clubs Need Facility Damage Insurance?

  • Clubs that own or lease buildings and pavilions
  • Sports clubs operating floodlit facilities
  • Clubs responsible for pitch maintenance
  • Community clubs with storage and equipment on site
  • Multi-sport facilities and leisure organisations
  • Clubs located in flood-prone or exposed areas

How Much Does Weather & Facility Damage Insurance Cost?

The cost of cover depends on factors such as location, flood risk, building construction, security measures, claims history and the total rebuild value of insured facilities.

Clubs in higher-risk flood zones or exposed coastal areas may require specialist underwriting, but cover can often still be arranged with appropriate risk management measures in place.

Insure24 works with insurers experienced in sports and leisure risks to secure realistic and sustainable cover.

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GET A QUOTE NOW

Weather & Facility Damage Insurance – FAQs

+-Does this insurance cover flood damage?

Yes. Flood damage can be covered, subject to underwriting and flood risk assessment.

+-Is storm damage to pitches covered?

Structural damage to pitches and related facilities can be covered where the club is responsible for reinstatement.

+-Does insurance cover fire and arson?

Yes. Fire and malicious damage, including arson, are commonly insured risks.

+-Are temporary structures covered?

Temporary structures may be covered if declared and accepted by insurers.

+-Can cover be combined with business interruption insurance?

Yes. Many clubs combine facility damage cover with business interruption to protect income.

+-Does cover apply to hired facilities?

Cover can apply where the club is contractually responsible for damage or reinstatement.

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