What does animal club insurance cover?
Our animal club insurance offers crucial protection against everyday risks, including standard public liability coverage. You can choose the level of cover that best fits your business needs.
We also provide specialist options like loss of key cover, equipment cover, and care, custody, and control, all customisable to meet your specific requirements. We understand that every club and society is different, and runs different activities; which can include fundraisers, shows, social events, committee meetings and more.
Our customer support team is here to help you select the right cover and answer any questions you might have. This way, you can focus on club activities with the confidence that you’re well-protected.
Make sure you have the correct insurance for the activities you offer and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Equipment
Employers’ Liability
Personal Accident
Public Liability
- From £2 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of your actions.
Professional Indemnity
- Up to £1 million.
- This covers the club’s legal liability to pay damages in the event of a breach of professional duty due to a negligent act, error or omission by the club or an employee.
Employers’ Liability
- £10 million worth of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Equipment
- Up to £30,000 of equipment cover.
- Protecting equipment you need for your club from loss, damage and theft.
Personal Accident Cover
- Protection for the person(s) insured, should they suffer a bodily injury caused by an accident at the business or club insured.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Directors & Officers Cover
- Financial protection for directors and association officials in respect of their personal liability whilst working for the club or association.
- Coaching any activity without the relevant qualification.
- Equipment that’s left in plain sight or in an unlocked vehicle, and where there’s no sign of forced entry or damage.
- The organisation of any disco or live music event open to the public. (‘Live music’ does not include choirs & orchestras).
- Any use of pyrotechnics.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need animal club insurance?
Animal club insurance is crucial for protecting against unforeseen circumstances beyond your control providing vital cover to shield you from costly losses that could arise from claims related to accidents, injuries, or other incidents.
By having this insurance, you can ensure that your business remains financially secure, allowing you to focus on delivering exceptional service to your clients. These scenarios can highlight the importance of having animal club insurance.
Protects against claims should a member of the public get injured.
In the event that a member of the public is injured or their property is damaged during a club activity, public liability insurance can provide protection against potential legal claims.
Cover from costly club equipment losses.
Not only could equipment be expensive to replace but any losses could also impact the activities you offer as part of the club, if they are not available.
Equipment cover can protect against costly claims from theft, damage or loss of your items.
A volunteer worker suffers an accident during club activities.
Volunteers or employees may be at risk of accidents or injuries during their work. Having voluntary workers requires you to have employers’ liability cover.
If volunteers or employees are hired by the club, employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.
Our experts explain why...
“We have adapted our product offering to recognise the changing demands of sports clubs, so we can make sure, whatever you are offering to your customers or members, we can provide you financial protection. Our insurance offering doesn’t just cover your Public Liability concerns but also those that might come from suggested negligent advice and tuition, through our Professional Indemnity extension, which we offer at no additional charge.”
Chris Trotman, Protectivity Underwriting Manager

How much does animal club insurance cost?
The cost of animal club insurance can vary depending on the type of business you operate, the size and additional factors. For instance, if you employ staff, it is a legal requirement to include employers’ liability insurance. Adding this will increase the cost of your premium.
Get a
Bespoke quote
Explainer quote
Policy type
Animal Club Insurance
Policy duration
Annual
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
Equipment cover
£500
This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your animal clubs & societies insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.
Proof of our excellent customer service.


Experienced Claims Handling
A smooth and efficient claims process.

UK Based Customer Support
Our UK sales team are here to help.
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This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
¹Based on live Feefo data