Public & Third-Party Liability Insurance for Sports Facilities

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Protection against injury and property damage claims from visitors, spectators & third parties

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We compare quotes from leading UK liability insurers

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

PUBLIC & THIRD-PARTY LIABILITY INSURANCE FOR SPORTS & LEISURE VENUES

Public liability insurance protects sports and leisure facilities against claims from non-participants — including visitors, spectators, contractors and members of the public — who are injured or suffer property damage while on your premises.

What Does Public Liability Insurance Cover?


  • Injury claims from spectators or visitors
  • Slip, trip & fall accidents on site
  • Damage to third-party property
  • Legal defence costs & compensation awards
  • Claims arising from events or hall hire
  • Liability linked to café or reception areas

Public Liability vs Participant Liability

Public liability covers **non-participants**, such as spectators and visitors. Injuries to people actively taking part in sport usually require **participant liability** or specialist sports insurance.

Who Needs Public Liability Insurance?

Public liability insurance is essential for gyms, leisure centres, sports halls, swimming pools, climbing facilities, community sports venues and any premises open to the public or spectators.

Why Arrange Public Liability Insurance with Insure24?


  • Specialists in sports & leisure liability risks
  • Clear separation of public vs participant cover
  • Flexible limits to meet venue & council requirements
  • Access to specialist UK insurers
  • Expert claims and risk-management advice

FREQUENTLY ASKED QUESTIONS

+-Is public liability insurance mandatory?

It is not legally mandatory, but it is essential for any sports facility open to the public.

+-Does public liability cover participants?

No. Injuries to participants usually require participant or sports-specific liability cover.

+-Is cover needed if facilities are hired out?

Yes. The venue operator retains responsibility for the premises even when hired out.

+-What level of public liability cover is recommended?

Most sports facilities carry £5m–£10m public liability, depending on size and risk exposure.

+-How much does public liability insurance cost?

Costs depend on footfall, activities, claims history and chosen indemnity limits.

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