Club Property, Buildings & Contents Insurance

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Specialist insurance for sports club buildings, clubhouses, contents, bars, equipment and facilities across the UK.

CALL FOR EXPERT ADVICE
GET A QUOTE NOW

We compare quotes from leading insurers

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

PROTECT YOUR CLUB’S BUILDINGS, CONTENTS & ASSETS

Why Property & Contents Insurance Is Critical for Sports Clubs

Sports clubs often hold significant physical assets - from clubhouses and pavilions to bars, gyms, changing rooms, grounds equipment and trophies. These assets are essential to day-to-day operations and are often built up gradually through member fundraising and volunteer effort.

Without specialist Club Property, Buildings & Contents Insurance, a single fire, flood, storm or act of vandalism can threaten the financial survival of the club. Generic policies often undervalue club buildings, fail to include specialist equipment, or exclude social and bar use.

Club Buildings Insurance

Buildings insurance covers the physical structure of club-owned or club-responsible properties, including clubhouses, pavilions, stands, storage sheds and changing facilities. It is essential for clubs that own their premises or are contractually responsible under a lease.

Cover is typically arranged on a reinstatement basis, meaning the policy should reflect the full cost of rebuilding - not the market value. Underinsurance can significantly reduce claim payouts.

  • Clubhouses, pavilions and sports halls
  • Changing rooms, showers and toilets
  • Bars, kitchens and social areas
  • Fire, flood, storm and escape of water
  • Vandalism and malicious damage
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Club Contents Insurance

Contents insurance protects the items inside your club buildings - many of which are essential for operations and costly to replace. This includes furniture, bar fittings, kitchen equipment, IT systems, trophies and memorabilia.

Sports clubs frequently underestimate the true replacement value of contents, especially when equipment has been purchased over many years or donated by members and sponsors.

What Can Be Covered

  • Furniture, fixtures and fittings
  • Bar stock, fridges and cellar equipment
  • Kitchen and catering equipment
  • Office equipment and IT systems
  • Trophies, honours boards and memorabilia

Insured Risks

  • Fire and smoke damage
  • Theft and attempted theft
  • Flood and storm damage
  • Accidental damage (optional)
  • Malicious damage
CALL FOR EXPERT ADVICE
GET A QUOTE NOW

Business Interruption & Loss of Income

If your club suffers insured damage that forces closure, Business Interruption Insurance can help protect the club’s financial position by covering lost income and ongoing expenses.

This is particularly important for clubs that rely on bar takings, event hire, memberships or facility rentals to fund operations and maintenance.

  • Loss of bar and catering income
  • Loss of event and venue hire income
  • Ongoing running costs during closure
  • Protection following fire, flood or storm
  • Supports club continuity and recovery
CALL FOR EXPERT ADVICE
GET A QUOTE NOW
Quote

When storm damage closed our clubhouse, the right buildings and contents cover meant repairs and lost income were handled quickly.

Club Chairman, Community Sports Club

FREQUENTLY ASKED QUESTIONS

+-

+-

Do sports clubs need buildings insurance?

If your club owns its premises or is responsible for the building under a lease, buildings insurance is essential.

+-

What’s the difference between buildings and contents insurance?

Buildings insurance covers the structure; contents insurance covers items inside such as furniture, equipment and stock.

+-

Can we insure club equipment stored off-site?

Yes, equipment stored off-site can often be included, provided it is declared and valued correctly.

+-

Is business interruption cover necessary?

If your club relies on bar income, events or memberships, business interruption cover is strongly recommended.

+-

How do we calculate the correct sums insured?

Buildings should be insured for full rebuild cost; contents for full replacement value. Insure24 can help assess this.

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