Club Insurance
With various Club Insurance options available, the right coverage may differ depending on your club’s size, activities, facilities, and potential risks. Many clubs have valuable assets that need protecting, including buildings, furniture, office equipment, and technology. Knights Bridge Insurance can help you understand these risks and choose the right coverage, so every aspect of your organisation is protected.
PUBLIC LIABILITY INSURANCE
Public Liability Insurance can help protect your club against third-party claims for bodily injury, property damage, or personal injury that occur at your premises or in connection with club activities. Comprehensive cover can also extend to incidents arising from the actions of members and volunteers, where applicable.
PROPERTY INSURANCE
Property Insurance can cover your club’s buildings, contents, equipment, and supplies against loss or damage caused by insured events such as fire, theft, or vandalism. If your club takes equipment offsite for training or events, it’s important to ensure your policy includes cover away from your premises.
MANAGEMENT LIABILITY
Management Liability Insurance can help protect your club’s committee, directors, and officers against claims arising from alleged wrongful acts in the management of the organisation. This cover may also extend to certain governance and compliance-related exposures, depending on the policy.
PROFESSIONAL INDEMNITY
Professional Indemnity Insurance can cover claims of negligence, errors, or omissions arising from professional services delivered by your club, such as coaching, training, or other instruction programs. Cover can include legal defence costs and potential settlements or damages, subject to policy terms.
EMPLOYMENT PRACTISES LIABILITY
Employment Practices Liability can help cover the club against employment-related claims made by employees and, in some cases, volunteers. This may include allegations such as discrimination, harassment, bullying, or unfair dismissal, depending on the policy.
PRIZE INDEMNITY
Prize Indemnity Insurance allows clubs to offer major prizes for promotions or events without carrying the full financial exposure. A common example is Hole-in-One Insurance for golf days, which can cover the prize payout if a participant achieves the specified outcome, subject to policy conditions.
EVENT CANCELLATION
Event Cancellation Insurance can help protect your club against certain financial losses if an event is cancelled, postponed, or rescheduled due to insured reasons. This can be especially useful for clubs running ticketed events, fundraisers, or major calendar fixtures.
CYBER INSURANCE
Cyber Insurance can help with costs linked to cyber incidents, including investigation and recovery, legal expenses, notification requirements, public relations support, and business interruption, subject to cover. It can be particularly relevant for clubs that store member data, process payments, or rely on email and online systems to operate.
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Don't let the complexity of insurance get in the way of your peace of mind. Simply fill out the form and one of our expert insurance brokers will contact you to help you find the coverage you need.
Comprehensive Sports Club Insurance: Safeguard Your Organization's Future
Johnnie Macleod is a seasoned and respected insurance professional with more than 38 years experience across underwriting management, insurance underwriting and broking. From early on, Johnnie discovered a natural flair for insurance, and his career has taken him across three continents and working for some of the biggest insurance companies in the world.
Why do clubs need Public Liability Insurance?
Accidents can happen at any time, from slips and falls to collisions, equipment issues, or incidents at events. Public Liability Insurance can help protect your club if a third party alleges injury or property damage connected to your operations.
For example, if a guest slips on a wet floor at your clubhouse and is injured, your club may face costs such as legal defence and compensation, depending on the circumstances. Without appropriate cover, these costs could fall back on the club’s own funds, which can place significant pressure on budgets and continuity.
If your club has a venue, runs activities, or hosts events, public liability is often a foundational part of a sensible insurance program.
How important is Cyber Insurance for clubs?
Cyber risk is increasingly relevant for clubs because many rely on email, online banking, cloud tools, member databases, and digital payments to operate. Cyber Insurance can help manage the financial impact of incidents such as phishing, compromised accounts, data breaches, or ransomware, subject to policy terms.
Depending on the cover, it may help with costs such as investigation and recovery, legal expenses, notification obligations, public relations support, and business interruption. It can also support better cyber hygiene by encouraging practical risk controls.
If your club stores member information or processes payments, cyber cover is worth considering as part of your overall risk management.
What are the top insurance risks for clubs?
The risks clubs face vary depending on your facilities, activities, and how you operate. Common areas include:
- Liability risks: Slips, trips and falls, injuries during activities, equipment faults, and event-day incidents.
- Property risks: Damage or loss to buildings, contents, and equipment from fire, theft, storm, or vandalism.
- Crime risks: Theft, fraud, or misappropriation of funds, especially where multiple people handle cash, keys, or accounts.
- Cyber risks: Compromised accounts, payment fraud, data exposure, and operational disruption from cyber incidents.
- Event risks: Cancellation, postponement, or rescheduling of key events due to insured reasons, which can lead to unrecoverable costs.
Working with an experienced broker can help you prioritise the risks that matter most and structure cover around your club’s real exposures.
What industries can Club Insurance cover?
Club Insurance can be structured for a wide range of member organisations and venues, including:
- Sports clubs and associations: football, rugby, cricket, tennis, swimming, and other organised sports.
- Social and cultural clubs: community groups, social clubs, cultural organisations, and member associations.
- Adventure and outdoor clubs: hiking, climbing, paddling, and other outdoor activity groups.
- Leisure centres and facilities: indoor and outdoor recreational venues and community facilities.
The right mix of cover depends on what your club does, where you operate, and what you need to protect. We can help tailor a solution around your activities, facilities, and budget.
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Why work with Knightsbridge Insurance Group?
Knightsbridge Insurance Group is an Insurance Broking Business with over 70 years of collective insurance experience and is founded on generational values that make you feel secure, protected and cared for. As we grow and expand the Knightsbridge Family, we continue to have a deep understanding of your desire to innovate and be extraordinary — both in business and in life.
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