Public Liability vs Contents vs Equipment vs Combined Insurance

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Understand which insurance cover your sports or leisure facility actually needs

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Which Insurance Does a Sports or Leisure Facility Need?

Sports and leisure facilities face multiple risks — from injuries to visitors and participants, to damage or theft of equipment and loss of income following disruption. Understanding the difference between public liability, contents, equipment and combined insurance helps ensure your facility is properly protected.

Public Liability Insurance


  • Covers injury to visitors, spectators and third parties
  • Protects against slips, trips and accidents on-site
  • Often required by landlords, councils or governing bodies
  • Typical limits range from £2m to £10m

Contents Insurance


  • Covers fixtures, fittings and internal contents
  • Includes reception furniture, lockers and office equipment
  • Protects against fire, flood, theft and malicious damage
  • Does not usually cover specialist sports equipment

Equipment & Sports Gear Insurance


  • Covers specialist sports equipment and machinery
  • Includes gym machines, goals, nets and training aids
  • Often covers portable and hired-in equipment
  • Essential where equipment is high value or mobile

Combined Sports Facility Insurance


  • Bundles liability, contents and equipment cover
  • Often includes employers’ liability and business interruption
  • Cost-effective for most sports and leisure facilities
  • Simplifies renewals and claims management

How to Choose the Right Cover for Your Facility


  • Consider visitor numbers and injury exposure
  • Review the value and portability of equipment
  • Check lease or governing body insurance requirements
  • Assess loss of income if the facility must close

Why Use Insure24 to Arrange Sports Facility Insurance?


  • Specialists in sports and leisure facility risks
  • Clear guidance on required vs optional cover
  • Access to combined and standalone policies
  • Support with compliance, certificates and claims

FREQUENTLY ASKED QUESTIONS

+- Is public liability insurance enough on its own?

No. Public liability covers injury claims but does not protect equipment, contents or loss of income.

+- Do I need both contents and equipment cover?

Yes. Contents insurance covers fixtures and fittings, while equipment insurance protects specialist sports gear.

+- Is combined insurance cheaper?

In many cases, combined policies offer better value and simpler administration than multiple standalone covers.

+- Can Insure24 recommend the right policy?

Yes. Insure24 reviews your facility, activities and risks to recommend the most appropriate insurance structure.

+- Is employers’ liability included in combined policies?

Employers’ liability is often included or added to combined sports facility insurance where staff are employed.

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