Participant Injury & Liability Insurance for Sports Clubs

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Combined protection for sports clubs against participant injury claims and no-fault injury benefits for players and members.

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We compare quotes from leading insurers

  • Allianz
  • Aviva
  • QBE
  • RSA
  • Zurich
  • NIG

PROTECT YOUR CLUB FROM PARTICIPANT INJURY CLAIMS & ACCIDENTS

What Is Participant Injury & Liability Insurance?

Participant Injury & Liability Insurance brings together two critical protections for sports clubs: liability cover for injury claims where negligence is alleged, and no-fault participant injury cover that pays predefined benefits when players or members are injured during club activities.

This combined approach reflects the reality of sport. Many injuries occur without fault, while others may give rise to allegations around supervision, facilities, equipment or training standards. By combining both covers, clubs reduce gaps, disputes and uncertainty following incidents.

Participant Injury Liability Insurance

Participant Injury Liability forms part of a club’s Public Liability protection. It responds when a participant (player, member or student) alleges they were injured due to the club’s negligence rather than normal sporting risk.

Claims may involve allegations of unsafe playing surfaces, inadequate supervision, poor coaching instruction, faulty equipment or failure to follow governing body guidelines. These claims can be complex, costly and reputationally damaging if not properly insured.

  • Allegations of negligence leading to injury
  • Legal defence costs and compensation awards
  • Claims from players, members and participants
  • Training, matches and organised activities
  • Cover aligned to governing body expectations
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No-Fault Participant Injury (Personal Accident) Cover

No-fault participant injury cover provides financial benefits when an injury occurs without the need to prove negligence. This is particularly important in amateur sport, where players may be self-employed, students or reliant on physical work.

Benefits are typically paid for defined injuries such as fractures, dislocations, dental damage or permanent disability, helping injured participants manage the financial impact.

Typical Benefits

  • Broken bones and fractures
  • Dislocations and ligament injuries
  • Dental injury following impact
  • Permanent disablement benefits
  • Accidental death benefit

Injury Scenarios

  • Player-to-player impacts
  • Slips and trips in facilities
  • Falls during training or matches
  • Warm-ups, drills and coaching sessions
  • Organised club events and activities
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Why Combine Injury & Liability Cover?

Relying on liability insurance alone can leave injured participants unsupported when no negligence exists. Conversely, relying only on no-fault injury cover leaves the club exposed to legal claims where negligence is alleged.

A combined approach reduces friction, supports injured participants, and ensures the club is protected whether an incident results in a claim, a benefit payment, or both.

  • Reduces disputes following injuries
  • Improves member confidence and retention
  • Protects club finances and reputation
  • Supports volunteers and unpaid players
  • Aligns with best-practice risk management
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Having both liability protection and no-fault injury benefits helped us handle a serious incident fairly and professionally.

Club Chair, Community Sports Club

FREQUENTLY ASKED QUESTIONS

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Is participant injury liability the same as public liability?

Participant injury liability is a component of public liability that relates specifically to claims made by participants rather than spectators or third parties.

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Do we need both liability and no-fault injury cover?

Most clubs benefit from both. Liability protects against legal claims, while no-fault cover supports injured participants where no negligence exists.

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Are training injuries covered?

Yes. Cover typically applies to organised training sessions, matches and club-run activities.

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Can benefit levels be tailored?

Yes. Benefit amounts, age limits and scope can be adjusted to suit your club’s activities and budget.

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Is this suitable for youth and junior teams?

Yes. Youth and junior participants can usually be included, subject to safeguarding and policy terms.

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