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What is Football Club Insurance and why your club may need it

What is Football Club Insurance and why your club may need it

Posted on Mar 23, 2023

Getting the right insurance policy for your football club is vital. Participation costs are increasing at a rapid rate. Without adequate specialist insurance policy, your club could face severe financial repercussions if incidents or unforeseen circumstances occur.

With premiums rising and new cover types being introduced all the time, it’s never been more important to find a Broker who understands your specific club needs.

At Watkin Davies our specialist Sports & Leisure insurance team will guide you through the areas that matter to you and make sure you are fully protected on and off the pitch.

Here we'll go through some of the most essential aspects of football club insurance and explain why they're essential.

Club Personal Accident & Combined Liability

This is an important aspect of football club insurance that needs to be considered. The last thing any player, manager or coach wants is third party claims for negligence and injury to players and staff.

With the cost of treatment increasing all the time, having insurance cover in place can prove invaluable with monetary benefits paid depending on which aspect of injury has occurred. Correct cover for combined liability is also extremely important. This protects the club from third party and claims, claims from employees including volunteers, professional indemnity in respect of coaching methods and all-round protections at your premises and when playing away, be it a match day, training session or tournament.

Property Damage & Business Interruption

Whatever size of your club it is likely that you need property cover to insure your infrastructure such as your clubhouse, stands, floodlights, dugouts, containers, and pitches. Business Interruption cover can be sourced when your facility is out of action from a material damage claim. This will safeguard any lost revenue or loss of profits.

Cover for Kit and Equipment

The cost of equipment can quickly mount up and adequate protection should be a consideration in the event of material damage and theft. Kit, balls, portable equipment can all be covered whilst at the premises, UK, in the EU or worldwide if required.

Cover for malicious damage and vandalism

Vandalism and malicious damage can occur at any time during the year and it's not uncommon for clubs to find themselves having to pay out for clean-up costs and repairing damage to pitches and club property. Getting insurance cover for these eventualities can be hugely beneficial for your football club with piece of mind that claims will be settled quickly, leaving you to concentrate on the beautiful game.

Cover for flood and subsidence

Heavy floods are becoming more common and can happen at any time whether your club is in an area of high flood or not. If your club has suffered from a major flood before, then you'll know all too well how expensive it can be especially if your club needs to pay out for repairs and clean-up costs.

Similarly, subsidence is another issue that can affect any football club at any time. Even if you're not located in a subsidence area, there's still a chance that this type of incident could occur. Getting insurance cover for these possibilities can help protect your football club from losing out on vital funds when the worst occurs.

Management Liability

Piece of mind for you Directors’, Trustee and/or Committee members for claims against alleged wrongful acts. Cover should also be considered for the entity itself and to protect the club from a host of employment claims such as wrongful dismissal and harassment.

Cyber Liability

The internet, emails and computers are part of everyday life. Football clubs rely on modern technology to run smoothly. With cyber claims rapidly rising this element of insurance covers you against first and third-party financial loss, disruption, or damage to the reputation of the insured arising out of failure of information technology systems resulting from deliberate, unauthorised, unintentional or accidental breaches of security, and cover for first- and third-party financial losses relating to use of the internet, emails, websites and social media.

So speak to our specialist Sports & Leisure team at Watkin Davies Insurance Consultants to see how we can help your club. Call us today on 02920 626 226 or email sports@watkindavies.com

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