Flood, Fire, Damage & Premises Risk Insurance

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Property risk insurance for sports facilities vulnerable to flood, fire and physical damage

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We compare quotes from leading insurers

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

PROTECT AGAINST MAJOR PROPERTY DAMAGE RISKS

Why Premises Risk Insurance Is Critical

Sports and leisure facilities often operate from large, complex buildings that are vulnerable to flood, fire, storm and accidental damage. Premises risk insurance protects the physical structure, contents and income if serious damage occurs.

What Does Premises Risk Insurance Cover?

Protection against major physical damage to sports facilities.


  • Fire, smoke and explosion damage
  • Flood, escape of water and storm damage
  • Accidental and malicious damage
  • Damage to sports halls, pools and studios
  • Fixtures, fittings and permanent installations
  • Business interruption following insured damage

Facilities Most Exposed to Premises Risk


  • Swimming pools and aquatic centres
  • Leisure centres with large roof spans
  • Facilities in flood-risk or coastal areas
  • Older or converted industrial buildings
  • Multi-use sports and community facilities

Reducing Flood, Fire & Damage Risk


  • Flood resilience and drainage measures
  • Fire detection, alarms and evacuation plans
  • Regular maintenance of plant and pipework
  • Security and vandalism prevention
  • Accurate rebuild and contents valuations

FREQUENTLY ASKED QUESTIONS

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Is flood risk always covered under property insurance?

Flood cover is often included but may be restricted or subject to higher excesses in high-risk areas.

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Does this cover fire caused by electrical faults?

Yes. Fire damage caused by electrical faults is typically covered, subject to maintenance and inspection conditions.

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Is accidental damage included?

Accidental damage may be included or added as an optional extension depending on the policy.

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Does business interruption apply after property damage?

Yes. Business interruption cover applies when insured property damage forces closure or reduced operations.

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Can this be included in a combined sports facility policy?

Yes. Premises risk cover is commonly included within combined sports facility insurance packages.

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