Insurance FOR SPORTS & SOCIALCLUBS

SPECIALIST SPORTS & SOCIAL CLUB INSURANCE

With our many years of experience in this sector, we can help guide you through what cover you need to best protect your club from a potential loss.

We understand that many clubs are under a lot of financial pressure and have suffered as a result of Covid, so we’ll help build a packaged policy that’s right for your business, whilst maintaining a competitive premium.

GET IN TOUCH FOR YOUR NEW SOCIAL CLUB INSURANCE QUOTE

we'll build a packaged policy that’s right for your SPORTS OR SOCIAL CLUB

EXAMPLES OF SOME OF THE COVERS YOU’LL NEED

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Public liability insurance covers the cost of claims made by members of the public for incidents that occur at your venue. It covers the cost of compensation for personal injuries and loss of, or damage to property.

Our policies will usually give £2million or £5millon worth of public liability cover depending on your restaurant’s specific needs.

Employers’ liability insurance covers the cost of compensating employees who are injured at or become ill through working for your business.

If you have employee’s, this cover is a legal requirement.

Business interruption insurance covers you for loss of income during periods when you cannot carry out business as usual due to an unexpected adverse event. It aims to put your business back in the same position as you were prior to the event.

Examples of incidents may be fire, flooding or storm and we will usually provide cover for a period of either 12, 24, or 36 months depending on your businesses’ requirements and the type of property you are trading from.

Buildings insurance covers any damage to the building itself, including the main structure, outbuildings, and underground pipes. You may not be responsible for insuring the building if you are a tenant, however if you own the building you will need to confirm the rebuild cost in the event of a total loss. If you are unsure of this, we have a service to provide you with this information.

Contents insurance covers the cost of loss or damage to your fixtures and fittings and business equipment, such as chairs, tables, computers, and televisions.

Stock insurance covers the cost of loss or damage to your beer, food, soft drinks and wines and spirits.

We will also offer deterioration of stock insurance to cover damage to stock stored in specified cold storage spaces, which occurs because of a change in temperature caused by a breakdown of the refrigeration equipment or accidental damage to it.

TYPICAL EXAMPLES OF CLAIMS THAT COULD ARISE

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Due to the consumption of alcohol, public liability claims from customers injuring themselves are commonplace in sports and social clubs. 

Making sure you have CCTV cameras covering higher risk areas such as dancefloors is another good way to protect your business should a claim arise.

Damage to contents such as television screens, and other sound and lighting equipment is a common claim for clubs with a lively crowd. You’ll want to make sure you have these, and other expensive equipment covered at your pub whether it’s from accident or malicious damage.

Speak to us and we’ll discuss in more detail about other covers you may want to consider when insuring your venue, such as loss of licence, legal expenses, and employee dishonesty insurance.

Speak to us and we’ll discuss in more detail about other covers you may want to consider when insuring your sports or social club, such as directors and officers, legal expenses, and employee dishonesty insurance.

NOT SURE WHAT COVER YOU REQUIRE?