Sports Facility Insurance Checklist

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What to review when running, managing or buying a sports or leisure facility

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We review sports facility insurance with leading UK insurers

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

SPORTS FACILITY INSURANCE REVIEW CHECKLIST

Running or purchasing a sports or leisure facility involves complex liability, property, staff and income risks. This checklist helps ensure your insurance programme is complete, compliant and fit for purpose.

1. Public & Participant Liability

  • Correct separation of public vs participant liability
  • Adequate limits (£5m–£10m typically required)
  • Declared activities match actual use
  • Spectators, events and hall hire included

2. Buildings, Contents & Equipment

  • Correct rebuild value for owned buildings
  • Contents and sports equipment adequately insured
  • Pool plant, gym equipment and specialist kit included
  • Accidental damage and breakdown cover reviewed

3. Business Interruption & Income Protection

  • Turnover accurately declared
  • Indemnity period realistic (12–24 months)
  • Loss of bookings and events considered
  • Additional increased cost of working included

4. Staff, Instructors & Volunteers

  • Employers’ liability in place (legal requirement)
  • Volunteers and casual staff correctly declared
  • Freelance instructors’ status confirmed
  • Personal accident benefits considered

5. Swimming Pools & High-Risk Activities

  • Pool liability and lifeguard cover confirmed
  • Water hygiene and contamination risks addressed
  • Instructor qualifications disclosed
  • Higher-risk activities specifically accepted

6. Cyber, Data & Booking Systems

  • Online booking and membership systems covered
  • Customer data and GDPR exposure reviewed
  • Cyber business interruption included
  • Incident response support available

7. Management, Governance & Contracts

  • Directors’ & officers’ liability considered
  • Trustee or committee cover reviewed
  • Contractual insurance requirements checked
  • Claims history fully disclosed

Why Use Insure24 for a Sports Facility Insurance Review?

  • Specialists in sports & leisure facilities
  • Gap analysis against real-world operations
  • Support when buying or taking over a facility
  • Access to specialist UK insurers
  • Clear, compliant insurance advice

FREQUENTLY ASKED QUESTIONS

+-When should I review sports facility insurance?

Insurance should be reviewed annually and whenever activities, turnover or facilities change.

+-Is this checklist suitable when buying a facility?

Yes. It is particularly useful during acquisitions, lease takeovers or management changes.

+-Can Insure24 review existing policies?

Yes. We regularly review and restructure existing sports facility insurance programmes.

+-Does this replace professional advice?

The checklist is a guide. Specialist advice is always recommended for complex facilities.

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