Club Insurance

Specialist protection for sports clubs, social clubs, working men’s clubs and volunteer-run organisations.

Clubs of all types play an important role in bringing people together, supporting local communities and offering valuable activities, social events and sporting opportunities. Whether your club is volunteer-led, non-profit or a member-based organisation, you take on responsibility for your premises, activities, events and the safety of your members and visitors.

Club Insurance is designed to protect your organisation from the financial impact of accidents, legal claims, property damage and unexpected disruption. At The Yorkshire Broker, we work with clubs of all sizes to arrange the right cover in a simple and friendly way.

Who is this cover for?

This insurance is suitable for a wide range of clubs and member-based organisations, including:

Sports clubs (football, rugby, cricket, tennis, golf, bowls, etc.)

Gymnastics and martial arts clubs

Activity clubs and hobby groups

Working men’s clubs and social clubs

Volunteer-run community clubs

Youth sports and development clubs

Non-profit membership associations

Recreational and leisure clubs

Snooker, darts and indoor sports clubs

Clubhouses with bars, hospitality or facilities

Clubs hiring or owning their premises

Whether you run regular training sessions, social events, matches, tournaments or community activities, we can help ensure you’re properly protected.

What does Club Insurance cover?

A policy can be tailored to the needs of your club, depending on whether you own or lease a clubhouse, run teams or events, rely on volunteers or operate licenced premises.

Cover can include:

Public liability

Protection if a member, volunteer or visitor is injured or their property is damaged during club activities or while using club facilities. Essential for sports clubs, social clubs and any organisation interacting with the public.

Employers’ liability

Legally required if you employ staff, but also important for clubs that use volunteers, coaches, stewards or helpers.

Clubhouse and property insurance

Protection for buildings and contents, including:

clubhouses and pavilions
changing rooms and facilities
bar areas and kitchens
sports equipment and furniture
grounds maintenance equipment
trophies, memorabilia and stock

Equipment cover

Essential for clubs with specialist or high-value equipment such as sports kit, gym equipment, grounds tools, scoreboards or training apparatus. Cover can also extend to items used away from the premises.

Business interruption

Helps cover loss of income if your clubhouse or facilities cannot be used following an insured event, particularly relevant for clubs with a bar, function room or regular bookings.

Trustee, officer or committee liability

Protection for committee members or volunteers involved in the management of the club, covering claims relating to governance decisions or alleged mismanagement.

Event insurance

Ideal for clubs hosting tournaments, fun days, fetes, competitions or fundraising events, covering cancellation, equipment damage and event liability.

Money and stock cover

Protection for bar takings, club merchandise, refreshments, and raffle or lottery funds.

Legal expenses

Support with legal challenges, licensing matters, employment issues and contract disputes.

Cyber and data protection

Important for clubs storing membership data, processing payments or managing bookings electronically.

Specialist cover for different types of clubs

Every club has its own unique risks, and specialist insurance can reflect the activities you offer. Examples include:

Greenkeepers’ equipment cover for golf, bowls and croquet clubs

Greens, tees and fairway protection for golf clubs

Hole-in-one insurance for competitions and club events

Floodlight, grandstand or pitch-side equipment cover for football and rugby clubs

Sports injury benefits for players and participants

Watercraft and boat storage cover for sailing or rowing clubs

Musical equipment and PA systems cover for social clubs and music groups

If your club has a unique activity or requirement, we can arrange insurance designed specifically around it.

Why specialist club insurance matters

Clubs face risks that often aren’t covered by standard commercial policies. These include:

injuries during sporting activities

alcohol-related incidents

volunteer mishaps

committee disputes

damage to club-owned or hired facilities

loss of income from bar or clubhouse closures

A tailored club insurance policy ensures your organisation is protected against claims and unexpected disruption, giving peace of mind to your members, volunteers and committee.

Why choose The Yorkshire Broker?

We understand the unique way clubs operate, often run by volunteers, supported by the community and working with limited budgets. Our focus is on keeping things simple, clear and cost-effective.

When you choose us, you’ll receive:

Friendly advice without jargon
Access to insurers who specialise in club and sports risks
Tailored cover based on your club’s activities
Support with claims and any policy changes
A personal service from a local, community-focused broker

Protect your club with confidence

To arrange Club Insurance for your sports club, social club or community organisation, call The Yorkshire Broker on 01924 929070.