Football Club Insurance
Football club insurance is specialised insurance specifically designed to provide cover for football clubs against a range of risks such as accidents and injuries, theft or damage of equipment.
What is Football Club Insurance?
Football club insurance is specialised sports club insurance designed to provide financial protection for your football team and wider club if someone claims they were injured, or a third party claims their property was damaged, at the fault of your club.
Your football club may have invested in specialist equipment such as goals, goal nets, corner flags, balls, and club kit; as well as any electronic equipment your football club may own, such as cameras, phones, computers, and lighting. Protecting this equipment against damage such as breakages, fire, or water damage, in addition to theft of this equipment, is an important consideration for your football club.
At Alexander Swan, we can cover a range of different football clubs, including youth and junior football teams, and grassroots Saturday and Sunday league clubs.
It’s crucial to seek independent advice to make sure you get the correct football club insurance to suit the way your grassroots club operates. We will work with you to build a tailored, all-encompassing football club insurance policy that perfectly matches the size of your club and the unique risks it is exposed to.
Unlike dealing directly with an insurance company, Alexander Swan has access to multiple insurers and their diverse policies. This broad reach allows us to present you with a range of options, increasing the likelihood of finding the most competitive rates and comprehensive coverage. We are with you every step of the way, from helping you choose the right insurance through to fully assisting you should you ever need to make a claim.
What Does Football Team Insurance Cover?
If you run a football club, there are several important considerations to factor in with your football club insurance:
- Public Liability Insurance: Public liability insurance for football teams is essential to protect you against potential claims from members of the club, spectators, or third parties in case they are injured, get sick, or their property is damaged in connection with your club.
- Equipment Cover: Football equipment is essential to the smooth running of your football club. Whether it’s matchday equipment, such as goals, goal nets, corner flags, and team kit, to training essentials like footballs, cones, bibs, mannequins, and poles, it’s important to protect your equipment from damage, breakages, or theft.
- Employers’ Liability: If your football club employs staff, employers’ liability is a legal requirement to protect against injuries caused to an employee whilst working.
Legal Expenses Cover: To protect you against any costs of legal disputes.
Why Do Football Clubs Need Specialised Insurance?
If you run a football club, you will know how easily accidents can happen, not only to the players, but in and around the ground too. As well as the risk of players getting injured, there may also be spectators watching on, which adds to the risks associated with your football club.
In addition to this, the equipment you may have as a club is prone to being damaged, stolen, or lost as a result of usual operations. This can include, but isn’t exclusive to, footballs, goals and goal nets, corner flags, training cones, and club kit.
Our football club insurance is designed specifically to protect football teams from financial losses in the event of claims from members, employees, or third parties for injury or having their property damaged in connection with your club, in addition to offering you protection for your equipment.
At Alexander Swan, we offer sports club insurance for a range of different sports teams, including rugby clubs, cricket clubs, shooting clubs, badminton clubs, swimming clubs, gymnastics clubs, and martial arts clubs.
Football Team Insurance FAQs
We can cover a broad range of football clubs, ranging from grassroots and youth football team insurance all the way to providing cover for semi-professional and professional clubs. Depending on what level of football your club is operating in, whether it’s the local leagues, regional league, or national leagues, you will require cover in similar areas, including employers’ liability, public liability, equipment damage, and legal expenses.
Public liability insurance is not a legal requirement. However, without public liability insurance, football clubs are at risk of huge financial losses if a member, spectator, or third party claims against them due to injury, illness, death, or their property being damaged, if this is in connection with the club. Football club public liability insurance can cover legal expenses and potential compensation payments the club may have to pay.
There is a range of different types of cover that it’s beneficial for a football club to have. Public liability insurance provides financial protection for football teams if someone claims against them due to injury, illness, death, or their property being damaged in connection with the business.
It’s also recommended to have cover for the potential theft or damage to any equipment you have invested in. If you employ staff, you are legally obliged to have employer’s liability insurance.