Sporting Event Insurance

Why you might need sporting event insurance

• If a member of the public attending or participating in your event is injured and believes you were responsible, public liability cover can help protect you against eligible legal costs and compensation claims.
• If an employee, temporary staff member, volunteer or helper injures themselves at the event, you could face legal costs and compensation charges.
• If the event is cancelled, abandoned or postponed due to circumstances beyond your control including adverse weather conditions, you would be liable to cover irrecoverable venue hire charges and face loss of profits.
• You might face charges for the loss of or damage to any equipment or property that you are responsible for during your event (including the venue).

Public liability insurance for sports events

Our public liability insurance provides cover for your legal liability to pay damages, claimants’ costs and expenses which arise as a result of, and in connection with, the event relating to accidental bodily injury or accidental damage to a third party or their property.

Injury to participants is also covered, provided as the injury was as a result of your negligence in running the event. There are a few other exclusions, including injuries from swimming in open water and cycle racing taking place on roads, as well as losses caused by a deliberate act such as vandalism.

What other types of insurance for sporting events might I need?

Employers’ liability insurance

Our employers’ liability insurance covers you for legal liability to pay damages, claimants costs and expenses which arise as a result of anyone you employ at an event (paid or unpaid). However, it doesn’t include any liability in respect of a Road Traffic Accident (RTA) related incident.

Equipment cover

Our equipment cover protects you against loss of, or damage to, equipment you’re responsible for during and in association with your event. This can include equipment you own, as well as items you’ve hired.

Property that forms part of the venue, or is nearby, such as cars in a car park, and doesn’t belong to you, is covered under public liability.

As with all insurance policies, exclusions apply. For example, we won’t cover loss or damage caused by:

• the defective erection, use or dismantlement of any temporary structures (such as marquees or staging)
• loss from unattended vehicles
• damage from vandalism
• theft or attempted theft unless there is evidence of violent, visible and forcible or violent entry thereto

Cancellation policy

Our cancellation policy provides cover for irrecoverable costs incurred as a result of the unavoidable cancellation, abandonment or postponement of the event for reasons beyond your control which are unforeseen to you at the time of purchasing the insurance and organising the event. Bear in mind that adverse weather conditions will not be covered if the policy is taken out less than 14 days prior to the event date.

Sports events we can cover

A wide variety of sporting events can be covered by our sporting event insurance policies, including:

• football
• basketball
• golf
• cycling
• equestrian events
• lacrosse
• Gymnastics

We consider all sporting activities, so please do contact us if you want to discuss your specific needs. 

If you're organising a sporting event for your sports club, we also offer public liability insurance for sports clubs which will cover you for multiple events.

Organising a sporting event? We have some of the best advice and guidance to help guide you through a successful event plan.

Your demands and needs 

This product meets the demands and needs of those who wish to insure their organisation of a sporting event for public liability and employers’ liability; event cancellation and abandonment or damage to event equipment. We even provide specialist policies, such as equestrian event insurance and hole in one insurance, so you can be sure that your sporting event will be covered by us.

You should read and check all insurance documents issued to you and ensure that you are aware of the cover, limits and other terms that apply to your specific circumstances.