Who is Sports Club Insurance in Birmingham?
If you run a sports club where individuals may participate in sports or leisure activities on or off your premises, you should carefully consider the conditions for Sports Club Insurance in Birmingham. JPM Broking Services already covers a number of semi-professional and amateur sports teams, including those mentioned below:
- Stourbridge Football Club,
- Halesowen Football Club
- Lye Town Football Club
- Halesowen Cricket Club
- Stourbridge Cricket Club
- Handsworth Cricket Club
- Stourport Rugby Club
- Stourport Cricket Club
- Eccleshall Cricket Club
What Sports Club Insurance in Birmingham do you need?
Birmingham sports club insurance is intended to protect a group of people who engage in a club from a variety of risks. Coverage may be tailored to your club's specific needs. Generally, coverage for membership and charity sector insurance is divided into two primary groups.
Compulsory Insurance for Sports Clubs
Employers Liability for Sports Clubs in Birmingham
If your sports club employs individuals, regardless of whether they work part-time, casually, or volunteer, you must have employers liability insurance in Birmingham. This protects the club from claims brought by team members resulting from their death or serious injury, as well as the loss, damage, or theft of their possessions while representing the club.
It might be a volunteer sports coach who is injured and unable to fulfil their usual duties, or a member of the bar staff who slips on a wet floor.
Employers liability insurance would cover the expense of defending against the claim, regardless of its truth, as well as any subsequent payments or compensation that are deemed appropriate.
Motor Insurance for Sports Clubs in Worcestershire
Many sports teams have an vehicle that is only theirs. If you operate a minibus, coach, people carrier, or any other form of vehicle used for club business, whether carrying players to games or simply moving equipment, you are required by law to have insurance.
We recognise that a sports club in Birmingham may have several drivers who want coverage for a variety of cars. In addition to ensuring sufficient coverage, a single sports club vehicle insurance policy should allow for easy administration, which is normally done on a single policy.
Additional Insurance for Sports Clubs in Birmingham
Birmingham Sports Clubs' Public Liability (including member-to-member insurance)
If your club organises activities in public places or has open-to-the-public premises, you should consider purchasing public liability insurance. This just protects the club from public lawsuits for injuries or worse that may have occurred on club grounds or due to negligence. It would also cover any loss or damage to property.
If you operate a membership organisation, your insurance coverage may be designed to include "member to member" liability, which means insuring each member separately and allowing members to make claims against each other.
Buildings and Contents Insurance in Birmingham (Sports Clubhouse Insurance)
Many sporting groups possess their own locations. JPM Broking Services can help you get insurance to cover loss of licence and bar stock, as well as goal posts, trophy cases, scoreboards, practice nets and other items. We can provide appropriate coverage that matches the needs of your sports groups.
Hirers’ Liability Insurance in Birmingham
Do you hire out your event venue for personal events? You'll need hirers' liability insurance for this.
Loss of license insurance
Complaints concerning serving minors, an event at the club that occurred without your direct supervision, or a neighbour living close. Losing your licence might have devastating implications. You are protected from the consequences of such an event by loss of licence insurance.
Stock Insurance including stock deterioration insurance in Birmingham
Invest in stock insurance to protect your inventory, including perishables. What would happen if your items were lost, stolen, or destroyed? Especially if you're planning a significant fundraising event soon? The club may see income losses as a result of the big interruption.
Sports Equipment Insurance in Birmingham
A trailer full of kayaks, a huge bag of footballs or anything else requires the proper equipment insurance. Equipment that has been lost, stolen, or damaged may be insured.
Local Sports Club Insurance in Birmingham Broker
Contact Your Local Insurance Broker
If you're interested in speaking to one of our advisers, please do not hesitate to get in touch via our contact form.
Sports Clubs Insurance FAQs
Sports club insurance is a specialised policy that protects amateur and semi-professional sports clubs against a variety of risks such as public liability, member injuries, property damage, and legal claims. It can also provide coverage for equipment, volunteers, and directors.
Insurance shields your club from potentially expensive lawsuits or claims. The correct insurance provides financial security and peace of mind in the event of a player's injury, property damage, or a negligence accusation.
Although they can be modified to fit your club, policies usually consist of:
- Insurance for Public Liability
- Employers' liability (for volunteers and paid employees)
- Professional Liability
- Coverage for Personal Accidents
- Property & Equipment Coverage
- Liability of Directors and Officers
- Event Coverage (for fundraising days or tournaments)
Although not all types of insurance are required by law, employers' liability insurance is if your organisation employs individuals, including volunteers. Venues, leagues, and regulatory bodies frequently call for public responsibility, even though it is not mandated by law.
If your organisation has employees or even volunteers, Employers’ Liability Insurance is legally required. While other types of insurance aren’t mandatory by law, Public Liability Insurance is often expected by venues, leagues, and governing bodies as a condition of participation or hire.
Your insurance policy can be tailored to cover various sites and temporary locations, including facilities used for training or matches.
Yes. One-time events like charity matches, open days, and fundraising evenings can be included in your insurance or insured separately. Make sure you include these in the quote process.
Most mainstream and non-contact sports are insured, however riskier or more contact sports may have specialised underwriting. Always disclose the entire scope of your club's operations to guarantee proper coverage.
Standard policies normally only cover actions within the United Kingdom. If your club takes part in overseas tournaments or tours, you may need to plan for additional travel or international coverage.
The fee is determined by your club's size, sport, number of members, annual turnover, and degree of coverage. Competitive pricing are possible, particularly when combining different forms of coverage.
If an event occurs, contact your insurance provider or broker right away. They'll walk you through the claims procedure and advise you on what paperwork is required, such as incident reports, witness statements, or photos.
To ensure that your coverage is adequate, evaluate your policy once a year or anytime there is a significant change in your club's activities, member numbers, or facility utilisation.