Accident & Injury Claims / Participant Risk Insurance

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Insurance for slips, falls and sports-related injuries at leisure and activity facilities

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GET A QUOTE NOW

We compare quotes from leading insurers

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

PROTECT AGAINST PARTICIPANT INJURY CLAIMS

Why Participant Injury Insurance Is Essential

Sports and leisure facilities face a high frequency of accident and injury claims, from slips and falls to more serious sports-related injuries. Specialist cover helps protect your business from legal costs, compensation and reputational damage.

What Does Participant Risk & Injury Insurance Cover?

Protection where members, customers or participants are injured.


  • Slips, trips and falls within facilities
  • Injuries during supervised activities or classes
  • Participant-to-participant injury claims
  • Claims alleging inadequate supervision
  • Legal defence and compensation costs
  • Cover aligned to declared activities

Common Accident & Injury Claim Scenarios


  • Wet floors and changing room accidents
  • Falls from equipment or climbing structures
  • Martial arts or contact sport injuries
  • Injuries during classes or group sessions
  • Allegations of poor instruction or supervision

Who Needs Participant Injury Cover?


  • Gyms, fitness studios & leisure centres
  • Swimming pools & aquatic facilities
  • Climbing walls & adventure venues
  • Martial arts, dance & training studios
  • Multi-use sports and activity centres

Why Arrange Participant Injury Cover with Insure24?


  • Experience with sports & leisure injury risks
  • Insurers comfortable with participant exposure
  • Guidance on waivers and safety controls
  • Cover aligned to declared activities
  • Claims advocacy and defence support

FREQUENTLY ASKED QUESTIONS

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Is participant injury covered under standard public liability?

Not always. Some activities require specific participant injury wording due to higher inherent risk.

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Does this cover participant-to-participant injuries?

It can, but this must be specifically included and depends on the activity type.

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Are instructors’ actions covered?

Yes, liability arising from instructors’ supervision or instruction can be covered.

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Do waivers remove the need for insurance?

No. Waivers help manage risk but do not replace the need for insurance.

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Can this be included in a combined policy?

Yes. Participant injury cover is often included or endorsed onto combined sports facility insurance.

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