Multi-Sport Club Insurance (UK)

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One specialist policy covering multiple sports, shared facilities, volunteers, events and clubhouses for UK community and amateur clubs.

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We compare quotes from leading insurers

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

ONE POLICY. MULTIPLE SPORTS. COMPLETE CLUB PROTECTION.

Why Multi-Sport Clubs Need Specialist Insurance

Multi-sport clubs are fundamentally different from single-discipline sports organisations. A club that hosts football, rugby, cricket, netball, tennis, bowls or fitness activities from one site carries layered and overlapping risks. Different sports introduce different injury profiles, participant ages, equipment, pitch conditions and governing body expectations.

Many clubs attempt to insure these activities under generic “sports club” or “community association” policies. This can lead to dangerous gaps in cover, inconsistent liability limits, or exclusions for specific sports. Multi-Sport Club Insurance from Insure24 is designed to bring everything together under one coherent policy structure.

Public & Third-Party Liability for Multi-Sport Clubs

Public Liability Insurance protects your club if a third party alleges injury or property damage arising from club activities. In a multi-sport environment, this risk is heightened by shared spaces, overlapping schedules, spectators, visiting teams, contractors, parents and social users of the site.

Claims can arise from slips and trips, uneven surfaces, shared changing rooms, temporary equipment, or spectator incidents. Local authorities, landlords and governing bodies typically require evidence of Public Liability cover before granting access to pitches or facilities.

  • Spectator injury claims across multiple sports
  • Third-party property damage on shared sites
  • Facility hire and landlord insurance requirements
  • Training sessions, matches and social use
  • Legal defence costs and compensation awards
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Employers’ Liability & Volunteer Protection

If your club employs staff - such as bar staff, groundskeepers, cleaners, coaches or administrators - Employers’ Liability Insurance is a legal requirement in the UK. Multi-sport clubs often have larger staffing footprints due to extended opening hours and diverse facilities.

Volunteers are equally important. While not always legally classified as employees, volunteers can still be injured while acting under the club’s control. Properly structured insurance helps protect both the club and committee members from personal exposure.

  • Mandatory UK Employers’ Liability compliance
  • Injuries during bar work, grounds maintenance and events
  • Volunteer cover where applicable
  • Manual handling, slips, trips and equipment use
  • Protection for trustees and committee members
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Shared Facilities, Clubhouses & Equipment

Multi-sport clubs often own or manage substantial physical assets: clubhouses, bars, gyms, changing rooms, floodlights, storage areas and grounds equipment. These assets represent a significant financial exposure and should be insured accurately.

Insurance can include buildings (where the club is responsible), contents such as bar stock and furniture, sports equipment, and specialist items used across different sports.

Property & Contents

  • Clubhouses, pavilions and storage buildings
  • Bar, kitchen and social area contents
  • Gym and training equipment
  • Trophies, memorabilia and furnishings
  • Theft, fire, flood and malicious damage

Grounds & Equipment

  • Sports equipment for multiple disciplines
  • Grounds maintenance machinery
  • Portable goals, posts and training aids
  • Equipment stored on or off site
  • Optional accidental damage extensions
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Moving to a single multi-sport insurance policy simplified our cover and reduced duplication across facilities and teams.

Club Treasurer, Community Sports Association

FREQUENTLY ASKED QUESTIONS

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What is Multi-Sport Club Insurance?

Multi-Sport Club Insurance is designed for clubs that operate more than one sport from the same organisation or site. It combines liability, people, property and event cover into a single policy structure.

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Can one policy cover several sports?

Yes. Each sport must be declared and assessed, but a single policy can cover multiple disciplines provided underwriting reflects the combined risk profile.

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Is Employers’ Liability legally required?

Yes, if your club employs staff. Many clubs also extend cover to volunteers for additional protection.

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Are clubhouses and bars included?

Yes. Buildings, contents, bar operations and social facilities can all be insured, subject to correct disclosure and sums insured.

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Is this suitable for volunteer-run clubs?

Absolutely. Most multi-sport clubs in the UK are volunteer-led, and insurance can be structured to reflect that governance model.

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