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

Trusted by thousands...

Our reviews speak for themselves, with highly rated feedback from over 3,000 customers.¹

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.

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Public Liability

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Professional Indemnity

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Equipment

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Employers’ Liability

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Personal Accident

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

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

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.

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Help & Support

Find answers to your questions and other assistance.

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.

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Experienced Claims Handling

A smooth and efficient claims process.

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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