Participant Injury Insurance for Sports Clubs

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Financial protection for players, members and participants injured through slips, trips, falls and sporting impacts.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We compare quotes from leading insurers

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

SUPPORT PLAYERS WHEN INJURY STOPS THEM PLAYING OR WORKING

What Is Participant Injury Insurance?

Participant Injury Insurance (often referred to as Personal Accident cover) provides fixed financial benefits to players, members and participants who are injured while taking part in club activities. Unlike liability insurance, this cover does not rely on proving negligence or fault.

It is designed to help individuals cope with the financial impact of injury - such as time off work, medical costs, travel to treatment, or longer-term disability - following slips, trips, falls, collisions or sporting impacts during training, matches or organised events.

Why Sports Clubs Use Participant Injury Insurance

Most sports injuries are not the result of negligence - they are an accepted part of participation. Because of this, Public Liability insurance will not usually respond unless the club is legally at fault. This can leave injured players without any financial support.

Participant Injury Insurance fills that gap. It allows clubs to offer meaningful support to players, particularly amateurs and volunteers, without exposing the club to ongoing liability claims. Many clubs also use this cover to reduce disputes and maintain positive relationships with members.

  • No need to prove negligence or fault
  • Supports injured players financially
  • Reduces pressure on clubs after accidents
  • Helps protect club reputation and goodwill
  • Complements Public Liability cover
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

What Participant Injury Insurance Can Cover

Cover is normally arranged on a benefit basis, meaning predefined payments are made following qualifying injuries. Levels can be tailored to suit your sport, membership profile and budget.

Common Benefits

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

Injury Scenarios

  • Slips and trips in changing rooms or club facilities
  • Falls during training or matches
  • Player-to-player impacts and collisions
  • Injuries during warm-ups or drills
  • Accidents during club-organised events
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Who Should Consider Participant Injury Cover?

Participant Injury Insurance is widely used across UK amateur and community sport. It is particularly valuable where players are unpaid, self-employed, or rely on physical work.

  • Amateur and grassroots sports clubs
  • Youth and junior sports organisations
  • Volunteer-led community clubs
  • High-impact or contact sports
  • Clubs with frequent training sessions
CALL FOR EXPERT ADVICE
GET A QUOTE NOW
Quote

After a serious injury sidelined one of our players, the personal accident cover helped cover lost earnings and treatment costs.

Club Secretary, Amateur Sports Club

FREQUENTLY ASKED QUESTIONS

+-

+-

Is participant injury insurance the same as public liability?

No. Public Liability requires negligence to be proven. Participant Injury Insurance pays benefits regardless of fault.

+-

Does it cover slips and trips off the pitch?

Yes, cover can apply to slips, trips and falls in club facilities, changing rooms and during organised activities.

+-

Are injuries during training covered?

Yes, injuries sustained during organised training sessions are normally included.

+-

Can we choose benefit levels?

Yes. Benefit amounts can be tailored to your club’s needs and budget.

+-

Is this suitable for youth teams?

Yes, youth and junior participants can be included, subject to policy terms.

Related Blogs

Complete Sports Club Insurance Guide

Complete Sports Club Insurance Guide

By Insure 24

Complete Sports Club Insurance Guide: Protecting Your Club from Every Angle

Sports clubs are the heart of community recreation, bringing people together through shared passion for athletics and…

Continue Reading