Sports and Social Clubs can be great places for communities, bringing people together in a way that a pub or bar cannot. Most sports club owners will be concerned about liability to club members, employees or a member of the public while at the sports club, but you also have to think about any potential damage to club equipment. A Club Insurance policy ensures that you have the right protection in place, leaving you to carry on business as usual.
Property Damage including Theft
If someone causes damage to your property or steals from your business, you need to be covered for the cost of replacing or repairing the item.
All Risks Items
This provides cover for items that you can take away from the premises such as laptops, mobiles or trophies.
Your business may not be able to operate if for instance there is a fire or the road you are on becomes closed to the public. Business Interruption provides cover for any financial losses as a result.
This policy covers you for the theft or loss of any money stored on the premises.
Goods in Transit
If you pick up your own stock rather than getting it delivered, you will be covered if any of it gets damaged on the way to your business.
Public/ Product Liability
If a member of the public or a club member gets injured or damaged, or they become sick due to your food or drink they may decide to take legal action against you. This type of insurance provides you with financial protection in these circumstances.
Member to member liability will also be covered by a specialist Sports and Social Club policy.
Whether your staff are full or part time, permanent, temporary or voluntary, you are legally obliged to take out employers’ liability insurance, which protects your employees if they suffer an injury or loss as a result of your business.
If you find yourself in the situation where you need legal advice, documents or support a Legal Expenses policy will cover the costs of this.