Sports Public liability insurance

Our sports public liability cover is available for most sports, high risk or low risk. The policies are designed to allow you to participate in your chosen sport and be protected.

Get in touch today and speak to a member of our team.

Online Proposal Form

What is this cover?

We're proud to be serving grassroots sports since 1989

PROPOSAL FORM

1PROPOSER DETAILS

2PROPERTY INSURANCE

3BUSINESS INTERRUPTION

4MONEY

5PUBLIC & PRODUCTS LIABILITY

6EMPLOYERS' LIABILITY

7DIRECTORS & OFFICERS

8LEGAL EXPENSES

9SECURITY & RISK MANAGEMENT

10CLAIMS HISTORY

11DECLARATION & SUBMISSION TO UNDERWRITING

Proposer details

Please answer all questions accurately, as incorrect information may invalidate your insurance.

Business name(Required)

Trading name (if different)

Entity type(Required)

Company (or Charity) registration number(Required)

Postal address (i.e. your address)(Required)

Address Line 1 Address Line 2 Town/City County Postcode

Contact full name(Required)

Phone number (mobile preferred)(Required)

Email address(Required)

Website address

Nature of Business(Required)

Date established (or if exact date is unknown, then the year)(Required)

Renewal (or start) date required(Required)

DD slash MM slash YYYY

Turnover i.e. your total income for the year(Required)

Which cover(s) do you require?(Required)

Property Insurance

Public & Products Liability

Employers' Liability

Directors & Officers

Legal Expenses

Property Insurance

Risk address(Required)

Address Line 1 Address Line 2 Town/City County Postcode

Is the premises alarmed?(Required)

Yes

Type of alarm system & provider

Are CCTV/security guards in place?(Required)

Yes

What security measures are in place?

Is there a Fire Alarm in place?(Required)

Yes

Are fire extinguishers/sprinklers installed?(Required)

Yes

Does the premises have any history of flooding or subsidence?(Required)

Yes

Specify details

Buildings Sum Insured (£)

Outbuildings (excluding steel containers) Sum Insured (£)

Steel Containers Sum Insured (£)

Tenants Improvements Sums Insured (£)

Plant, Machinery, Contents Sum Insured (£)

Playing Surfaces Sum Insured (£)

Floodlights Sum Insured (£)

Sports Equipment (at risk address) Sum Insured (£)

Gym/Fitness Equipment Sum Insured (£)

Stock (Retail/Food & Beverage) Sum Insured (£)

Alcohol Sum Insured (£)

Other Specialist Equipment (e.g., Trampolines, Climbing Walls, Water Sports Gear) – Specify & Insured Value

Do you want to include cover for specified all risks?(Required)

Items that are specified below are to be covered on a UK wide basis.

Yes

Sports Equipment Sum Insured (£)(Required)

Trophies or Cups Sum Insured (£)(Required)

Goods in transit (£)(Required)

Other – Specify & Insured Value

Business Interruption

Did you want to include business interruption cover?(Required)

Yes

Annual Gross Revenue (£)(Required)

Indemnity period(Required)

12 months

24 months

Additional costs of operating (£)(Required)

Money

Did you want to include money cover?(Required)

Yes

Estimated Annual Cash Transactions (£)(Required)

Maximum Cash on Premises (£)(Required)

Public & Products Liability

Limit of indemnity (£)(Required)

£1 million

£2 million

£5 million

£10 million (for larger risks)

Sports required to be insured(Required)

Specify sports(Required)

Number of Members(Required)

Number of participants per session (average)(Required)

Number of sessions per week (average)(Required)

Do you provide coaching/instructional services?(Required)

Yes

Do you want to insure the coaching risk?(Required)

Yes

Do you organize events/tournaments?(Required)

Yes

Specify details(Required)

Do you offer adventure sports, extreme activities, or water-based activities?(Required)

Yes

Specify details(Required)

Employers' Liability

Number of Employees (Full-time & Part-time)(Required)

Number of Volunteers/Instructors/Coaches(Required)

Estimated Annual Wage Roll (£)(Required)

Clerical Wage Roll (£)

Coaching Wage Roll (£)

Bar/Café Wage Roll (£)

Manual Wage Roll (£)

Other Wage Roll (£)

Directors & Officers

Limit of indemnity (£)(Required)

£250k

£500k

£1 million

£2 million

£5 million

Legal Expenses

Is the limit of indemnity £100k enough to meet your needs(Required)

Yes

Security & Risk Management

Do you run conduct risk assessments for activities?(Required)

Yes

Are safety policies/procedures in place?(Required)

Yes

Are all instructors/coaches qualified & insured either separately or under this commercial combined proposal form?(Required)

Yes

Specify details(Required)

Do you (as lead organiser) have at least 3 years relevant trading?(Required)

Yes

Specify details(Required)

Is first aid equipment available on-site?(Required)

Yes

Do you require customers to sign waivers?(Required)

Yes

Claims History

Have you had any claims in the last 5 years?(Required)

Yes

Specify details incl. dates, type of claim, amount paid and current status(Required)

Declaration & Submission to Underwriting

By submitting this form to underwriting you confirm that you declare that the statements and particulars in this proposal form are true and completed to the best of your knowledge and that you have not misrepresented or withheld any material facts. If you have misled or withheld any facts you understand that your insurance may be invalidated.

Proposers name(Required)

Position(Required)

Date(Required)

DD slash MM slash YYYY

Contact details
If you have any questions about this page, please contact us:

By email: feedback@sportsguard.co.uk
By visiting this page on our website: https://www.sportsguard.co.uk/contact
By phone number: 01604 644277

Sports Commercial Combined Insurance is a type of business insurance policy specifically tailored for sports-related businesses or organizations, such as:

Gyms
Sports clubs
Leisure centres
Fitness studios
Martial arts schools
Personal trainers
Sports retailers

It “combines” multiple insurance covers into one package, making it easier and more cost-effective for a business to manage its risks.

What It Covers:

Public Liability & Products Liability (incl. Professional Indemnity – see quote for details)

Covers injury to third parties (e.g., clients or spectators) or damage to their property due to your business activities.
Example: Someone slips on a wet gym floor and gets injured.

Employers’ Liability

Covers injury or illness of employees due to their work.
Example: A coach injures their back lifting equipment.

Property Insurance

Covers buildings, gym equipment, stock, or other contents against damage or theft.

Business Interruption Insurance

Covers loss of income if your business is interrupted due to an insured event (e.g., fire, flood).

Sports Equipment Cover (On-site and Off-site)

Especially important if you take equipment to different venues (e.g. mobile training).

Money Insurance

Covers theft of cash from premises or while in transit.

Legal Expenses Insurance

Covers legal costs related to disputes, such as employment issues or contract disagreements.

Why Is It Useful?

Sports businesses face unique risks — injuries, equipment damage, legal claims, etc.
A combined policy means customizable protection in one package, often at a lower total premium than buying each cover separately.

Example Scenario:

A martial arts school with 4 instructors:

One student trips over a loose mat and breaks their wrist → Public Liability
An instructor strains their back while demonstrating a technique → Employers’ Liability
The school is sued for inadequate training supervision → Professional Indemnity
A burst pipe floods the gym and damages mats → Property and Business Interruption

All of these incidents would be potentially covered under a well-structured Sports Commercial Combined Insurance policy.

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

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Sports Public liability insurance

We're proud to be serving grassroots sports since 1989

PROPOSAL FORM

Proposer details

Property Insurance

Business Interruption

Money

Public & Products Liability

Employers' Liability

Directors & Officers

Legal Expenses

Security & Risk Management

Claims History

Declaration & Submission to Underwriting

Why Football Insurance Matters – From Grassroots Clubs to the World Cup

Gymnastics insurance: what you need to know

Sportsguard: Safeguarding Scotland’s Football Clubs Through Strategic Partnerships