How to Choose the Right Sports Facility Insurance

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A practical guide to selecting cover types and liability limits

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We compare quotes from leading UK insurers

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

CHOOSING THE RIGHT SPORTS FACILITY INSURANCE

Why Choosing the Correct Cover Matters

Sports facilities face a wide range of risks — from injuries and equipment damage to coaching claims and governance issues.

Choosing the right combination of insurance cover and appropriate liability limits is essential to protect your facility, finances and management team.

1. Identify Your Core Liability Risks


  • Public Liability – injuries to participants or spectators
  • Employers’ Liability – staff, coaches and volunteers
  • Professional Indemnity – coaching & instruction risks
  • Management Liability – directors & committee decisions
  • Equipment & Property – damage, theft or loss

2. Choosing the Right Liability Limits


  • Public Liability – typically £5m to £10m+
  • Employers’ Liability – legal minimum £5m (often £10m)
  • Professional Indemnity – based on coaching exposure
  • Equipment – replacement cost, not original value
  • Consider contracts, funders and governing bodies

3. Consider Combined vs Standalone Policies


  • Combined policies often reduce cost & gaps
  • Standalone cover may suit specialist risks
  • Ensure no overlaps or exclusions
  • Check excess levels and conditions
  • Review annually as activities change

Why Choose Insure24 to Arrange Your Cover?


  • Specialist sports & leisure insurance advisors
  • Access to multiple UK insurers
  • Help selecting correct liability limits
  • Tailored advice for clubs & facilities
  • Ongoing review as your facility grows

FREQUENTLY ASKED QUESTIONS

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How much public liability cover does a sports facility need?

Most sports facilities choose between £5m and £10m public liability, depending on participant numbers and risk exposure.

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Do coaching activities need professional indemnity?

Yes. Facilities offering coaching or instruction should strongly consider professional indemnity cover.

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Is combined insurance better than standalone cover?

Combined policies often provide broader protection and better value, but suitability depends on your facility’s risks.

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How often should cover and limits be reviewed?

Insurance should be reviewed annually or whenever activities, facilities or participation levels change.

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Can Insure24 help assess my facility’s risks?

Yes. Insure24 can help review your risks and recommend suitable cover types and liability limits.

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