What Sports Club Insurance Does Your Kids’ Club Need and How Do You Minimise Risk to Your Business?

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It’s all about keeping the smiles on those little faces, spreading health, wellbeing and core life skills through sport. We know that legal proceedings and compliance is not what gets you up in the morning!

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Running a sports club for children is incredibly rewarding—but it also comes with real responsibilities. One of the most important is making sure your club is properly insured. So let’s break it down: what exactly is sports club insurance, how do you choose the right provider, and how can you minimise risk to protect your business?

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Whether you're new to running a club or you've been doing it for years, this guide will help you feel confident and covered.

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What Exactly Is Sports Club Insurance?

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In a nutshell, sports club insurance (also referred to as club sports insurance or children’s sports insurance) is a specialist type of cover that protects your club, your staff, and the children you support. So sorting it is what you might call a necessary evil! After reading, we hope you’re more armed and ready to tackle the task.

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Here’s what a good policy should include:

• ‍Public Liability Insurance – One thing is certain with children in play – accidents will happen! So whilst not a legal requirement, we would strongly advise this is included in your policy for your own protection. It covers injury or damage claims made by third parties (e.g. if a child is injured during a session, or their personal property gets damaged). ‍
• Employers’ Liability Insurance – As you might say to one of the kids, “I’m not asking you, I’m telling you!”. This one is an absolute must, a legal requirement if you employ anyone, even part-time coaches or volunteers. ‍
• Professional Indemnity Insurance – This one’s a judgment call and depends on the nature of your sport. This protects you if someone claims your advice or instruction caused harm or financial loss. This could come down to ensuring clear and well-thought-out communication. ‍
• Equipment Insurance – How expensive is your kit? And how much would it disrupt your sports club if you didn’t have it for a week? Equipment insurance covers damage or theft of essential gear and kit. ‍
• Personal Accident Insurance – You and your coaches are important too! This part offers additional cover if a member of your team or a participant is seriously injured.

Depending on your club’s activities, you may also need:

• ‍Buildings and Contents Cover (if you own the venue or have a lease, therefore owning the contents) ‍
• Business Interruption Insurance (covers you if something outside of your control, like fire or flood, were to shut down your operations temporarily) ‍
• Abuse Cover (essential for safeguarding your club)

🧐 Tip: Not all insurance policies are created equal—some generic policies won’t cover sports-specific risks. Make sure you’re choosing a provider who understands the world of children’s sports and has experience with insurance for youth sports in particular.

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How Do You Choose the Right Sports Club Insurance Provider?

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When choosing a insurance provider, ask yourself the following:

• Do they specialise in sports or children’s activities? You want someone who truly understands the risks and responsibilities of running a kids’ club. Ideally, they should be able to talk knowledgeably about children's sports insurance and even business insurance for multi sports clubs.
• What’s included in the policy? Look for comprehensive coverage, not just the basics.
• Can they scale with your club? As your club grows, your needs will change. Make sure your provider can grow with you.
• How easy is it to make a claim? Check reviews and testimonials. Fast, hassle-free claims make a huge difference.
• Is the price competitive—but realistic? Price is important, but don’t just go for the cheapest deal. Making sure you’re properly covered is paramount to your long-term business success.

🔍 Ask other club owners who they use and what their experience has been—word of mouth goes a long way in this space.