Sports Business Insurance
Cover for sports businesses, organisations and individual trainers from £110.32 a year.*
- Public Liability up to £10 million
- Join 150,000 customers**
- Flexible Payment Plans – 0% APR
From £110.32* a year
What does sports business insurance cover?
As a sports business owner, it’s crucial to ensure your operation is well-protected against common risks. Our insurance policy includes essential liability coverage to meet your professional responsibilities, along with specialist extras that you can customise to suit your services. Depending on what your business offers, you can select from different levels of cover, so you only pay for what you need.
This policy is specifically designed for sports businesses and organisations including public liability and professional indemnity insurance with the option to add employers’ liability, personal accident cover and more. With the right cover, you’ll be prepared for any unexpected incidents, safeguarding your clients, your business, and yourself.
Make sure you have the correct insurance for your event 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
- 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 advice that you provide.
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
- Add up to £30,000 of equipment cover.
- Protecting equipment you need for your business from loss, damage and theft.
Overseas Extension
- Work abroad for up to 30 days a year.
- Select Europe or Worldwide (excluding the USA).
- 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.
- Liability arising due to actions of a bona fide subcontractor. These entities should have their own insurance.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need sports business cover?
Sports business insurance provides essential protection for certified sports and leisure activity and facility providers against potential claims that could arise unexpectedly. Having the right insurance is a smart move for running a responsible operation, ensuring the safety of your clients, and protecting yourself from major financial liabilities. Here are a few scenarios that highlight the importance of having sports business insurance:
Cover against claims from public injury.
If someone were to trip over an item of sports equipment placed on the floor and sustain an injury, holding you responsible, or if accidental damage occurs to a client’s property, such as a phone, you can claim for repair or replacement.
Public liability insurance safeguards against these accidents, injuries caused by equipment, and damage to belongings during training sessions.
Accusations of negligence following a client injury.
For instance, if a client slips and falls while performing an exercise under your guidance, they may hold you, as the instructor, liable for the injury. In such cases, the injured client could pursue a claim against the fitness instructor, seeking compensation for medical expenses, lost wages, and other damages.
Professional Indemnity Insurance will cover legal costs and damages if a client decides to bring a claim against you for the incident.
Avoid expensive equipment losses.
Your sports business may require you to store your training equipment in a storage facility, for example. If an incident such as a storm or fire causes damage to the storage unit and subsequently damages your equipment, without insurance you face the expense of replacing these items.
Having equipment cover can avoid costly replacements in case your equipment is lost, damaged or stolen.
Our experts explain why...
“Sports business insurance provides essential protection against potential liabilities, ensuring that instructors can focus on delivering high-quality instruction without the constant worry of financial repercussions.
Even the most experienced and diligent instructors are not immune to legal challenges. Professional Indemnity Insurance, for instance, covers legal costs and damages if a client alleges negligence or injury resulting from instruction.
Sports business insurance is not merely an option; it’s a necessary investment in the long-term success and sustainability of an instructor’s career. By proactively mitigating risks and liabilities, instructors can focus on what they do best—inspiring and empowering students—while enjoying the security that comes with comprehensive insurance cover.”
Chris Trotman, Protectivity Underwriting Manager
How much does sports business insurance cost?
The cost of sports business insurance can vary depending on the level of cover you need. For example, if you use specialist equipment in your training you may need to increase the value of cover.
At Protectivity policies start at £110.32* a year.
Prices from
£110.32* a year
Explainer quote
Policy cost
£110.32* a year
Policy type
Sports Business Insurance
Activity
Fitness Instructor
Policy duration
Annual
Public Liability
£2,000,000
Professional Indemnity
£2,000,000
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 sports business 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.
Frequently
Asked Questions
Do I need Employers’ Liability?
No matter what type of business you run, you will need employers’ liability insurance if you are employing anybody, whether they are a paid member of staff or volunteers. Employers’ liability will protect you against any claims from your employees (including volunteers) who have been injured or become seriously ill as a result of working with you. Employers’ liability can be included to any business insurance policy with Protectivity at a small cost.
What is Professional Indemnity?
Professional Indemnity insurance, provides you cover for any advice and instruction you and your staff provide, that results in a third party becoming injured or suffering damage and alleging you are responsible for this.
Do I need Public Liability Insurance?
All our sports business insurance policies include public liability as standard. This means that your sports business will be protected from third party claims made against you, whether that is accidental injury to another person or damage to third party property.
What type of Sports Businesses do you cover?
We insure thousands of sports businesses every year who operate within the sports and leisure industry. Our speciality is sports coaching businesses who operate in schools covering PPA. Our sports business insurance packages cover the key requirements any business would need but importantly we review each business and its operations to ensure its business activities are covered, which gives you the peace of mind to do, what you do best.
We’ll consider any business that has an involvement with sport or leisure, including multi-sports coaches, gyms and fitness centres, sports camps, sports leagues and more.
Discover more from Protectivity
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