Sports property and equipment insurance covers damage, loss, or theft of sports-related property, gear, and equipment owned by clubs, organisations, or individuals.

What It Covers:

This insurance can help pay to repair or replace items such as:

• Sports gear (e.g. balls, helmets, pads, uniforms)

• Electronic devices (e.g. scoreboards, timing systems)

• Equipment (e.g. gym machines, nets, goalposts)

• Club or team-owned property (e.g. trophies, kits, training tools)

• Storage facilities (in some cases)

Example Scenarios:

• A fire damages gym equipment at a training facility.

• A van carrying team gear is broken into and items are stolen.

• Hail or storm destroys outdoor training equipment.

• A team’s kits and uniforms are ruined due to flooding in storage.

What It Typically Doesn’t Cover:

• Wear and tear or gradual deterioration

• Loss due to negligence or lack of basic security

• Items not listed in the policy

• Personal belongings of players unless specified

Who Needs It:

• Sports clubs and academies

• Fitness centers and gyms

• Schools with sports programs

• Professional or amateur teams

• Event organisers transporting gear

Business Interruption

Some policies can also cover business interruption, meaning they’ll help with lost income if the damaged equipment halts normal activity (like closing a gym temporarily). This is typically only included upon request.

For more information you can view the dedicated page on our website, click here to view.