Club insurance
Club-class insurance for clubs and associations – whatever and whoever’s involved, from sports and social clubs to kids and carers.
Quote online in less than 2 minutes
Choose the cover you need. We offer public liability, trustee insurance, employers' & volunteers' liability, equipment insurance and more.
- Cover you can rely on – specialist policies from trusted insurers
- Friendly advice – help with your insurance is only ever a phone call away
- Free online training – choose from dozens of useful interactive courses
- No admin fees – ever, and that’s a promise
Quote online for incomes up to £500,000, or call and talk to an expert.
Club insurance with your best interests at heart
Clubs come in all shapes and sizes: social clubs, sports clubs, hobby clubs and countless others. But they all have something in common.
Because it doesn’t matter if you’re knocking a ball around, knocking up a three-course meal, or putting on a knock-out show. There’s always risks involved.
Just as well, then, that our insurance for clubs and societies offers reliable all-round cover – whether you’re into dancing, dominoes, drumming or anything else.
What insurance for clubs do you need?
Public liability for club meetings and events
If someone unexpectedly comes a cropper at a club meeting or event, or their property is damaged, public liability insurance has you covered.
It picks up the tab if there’s a claim involving a trip, a fall, or any other kind of accidental mishap. Say a club member takes a tumble over kit left lying in the wrong place. Or a piece of equipment malfunctions and causes damage.
Public liability insurance pays your legal costs, as well as any compensation due.
Trustees’ and officers’ insurance for your club’s decision-makers
Trustees’ and officers’ insurance helps protect your trustees, officers, and committee members. That’s because, whether they realise it or not, they’re legally responsible for your club’s activities.
So, if there’s an accusation of wrongdoing, they’re personally liable, which puts their personal finances at risk. Maybe someone says the club isn’t being run by the book, or the finances look wonky.
In cases like these, trustees’ and officers’ insurance stumps up for an expert solicitor to fight your corner and covers civil fines and compensation.
Employers’ liability insurance for your club’s staff and volunteers
Your club relies on the staff, volunteers and others that help run it. And because you have a duty of care to them, the Health and Safety Executive says you must have employers’ liability insurance.
It pays for your legal costs and any compensation awarded if someone claims they were injured or made ill in the course of what they do for you.
So, if someone working or helping at your club is injured while setting up some equipment, say, or performing some other task, you’re covered.
Contents & equipment insurance for all your club’s kit
Running a club usually involves a certain amount of equipment. Contents and equipment insurance covers all of it, from the random bits and pieces to the scarily expensive stuff.
Missing kit can mean your club can’t function. So, if anything’s stolen, lost or damaged, your insurance pays for it to be repaired or replaced as new. That means technical and AV kit too, and portables like laptops.
Business interruption insurance can be a handy addition. It pays for you to set up temporarily somewhere else if something like a flood or fire means your usual premises aren’t accessible.
Professional indemnity for your club’s services and advice
It depends what your club does. But if offering any kind of service or advice is part of the deal, professional indemnity insurance is a must.
That’s because it protects you if there’s an accusation something you did or said caused someone harm. Say a service user claims they acted on the advice you gave them, but it cost them dear.
Professional indemnity pays for a legal expert to defend you and picks up the tab for court costs and compensation. It also covers claims involving defamation and breach of copyright.
Cyber insurance for your club’s data
Hackers are everywhere, which puts your club’s systems and data at risk. If you’re hit by a cyber-attack, cyber insurance provides help to get things back to normal as quickly as possible.
It buys the technical expertise to get to the root of an attack and repair any damage. It also helps to restore your club’s systems and websites, and to retrieve missing data.
Hackers stealing personal info like names, addresses, or financial details can put you in trouble with the affected parties and the regulator. Cyber insurance covers claims for compensation and pays to help with official investigations.
Why should I buy my club insurance from you?
For several reasons. But mainly because we know insurance for clubs inside out and can provide you with exactly the cover you need from a trusted insurer.
Plus, we do it all with a personal touch – which is why a friendly, helpful human will answer if you call us. There’s no call centre or phone menus here.
Or you can do everything quickly and easily online if you prefer.
Then there’s our platinum-rated customer feedback, which speaks for itself. And our Plain English Crystal Mark, which recognises that we do insurance the no-jargon way.
Oh, and we give you stuff, like free award-winning online training with Flick Learning and a reward if you recommend us.
£60
a year
Your policy comes with a free subscription to Flick's fully accredited interactive courses.
Learn at your own pace and brush up your skills in essential areas like health & safety, safeguarding, data protection and more.
Take as many courses as you want and help keep your organisation in the know.
Prefer to talk?
Call us and a real person answers. No call centre, no phone menu, no scripts. Just friendly, helpful advice from a charity and not-for-profit specialist.
