Commercial insurance

Sports club and ground insurance

Cover for sports clubs, grounds and recreation facilities across the UK — from amateur and community clubs to professional and semi-professional grounds.

Part of: Commercial insurance at Apex

In short

Sports clubs and grounds mainly need public and products liability (spectators, members and visitors), property and contents on the clubhouse, pavilion, stands and equipment, employers’ liability for staff and some volunteers, and cover for events, tournaments and hospitality. Apex arranges it across the range, from a single-pitch community club to a professional ground with stands and fixtures.

Talk to a specialist broker

Tell us about the club, the ground and how it is used and we’ll approach insurers who write sports risk. Get a commercial quote → or call 0117 325 0027.

Clubs and facilities we place

We arrange cover across the sports and recreation range, including:

Amateur and community sports clubs
Professional and semi-professional clubs and grounds
Recreation grounds, playing fields and pavilions
Grounds with spectator stands, seating and floodlights
Sports and social clubs with a bar or clubhouse
Governing bodies, leagues, federations and associations
Tournaments, fixtures and one-off events

What the cover usually includes

Public and products liability — injury to spectators, members, players and visitors, and food or drink served
Property and contents — clubhouse, pavilion, stands, machinery, grounds equipment and kit
Employers’ liability — for employees and, where needed, volunteers
Business interruption — lost income if the ground can’t be used after damage
Events and hospitality — tournaments, matchdays and functions
Optional — personal accident for players and officials, directors’ and officers’ cover for the committee, cyber for membership data

Why use a specialist broker

Apex is a directly FCA-authorised independent broker with access to 30+ insurer markets, including Lloyd’s through wholesale. You get a named broker who presents your risk properly to insurers who actively want it, rather than a portal that pushes one product. We handle the claim with you if one happens.

Frequently asked

Do sports clubs legally need insurance?

Public liability isn’t compulsory by law, but employers’ liability is if the club has any employees, and most leagues, governing bodies and ground leases require public liability. In practice a club running a ground needs public liability, property and, if it employs anyone, employers’ liability.

Can you cover a professional or semi-professional ground with stands?

Yes. Grounds with spectator stands, seating and floodlights, and professional or semi-professional clubs, are placed with insurers who write that risk. The premium reflects capacity, the activities held and the ground’s risk management.

What about one-off tournaments or events at the ground?

Event and tournament cover can be arranged as an extension to the club policy or as standalone cover for a single fixture or festival, including public liability and cancellation where needed.

Talk to us about cover

Tell us about the risk and we’ll look for suitable cover, subject to the insurer’s acceptance and the policy terms. Or call 0117 325 0027.

Get a quote Call 0117 325 0027

Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales, company number 07014570. This page is general information, not advice on your individual circumstances, and it does not guarantee that cover will be available or on what terms. Any cover is subject to the insurer’s acceptance and the full policy terms.