Insurance Summary

Public Liability Insurance
insure4sport Public Liability Insurance covers you for your legal liability to pay for personal injury and/or property damage claims made against you by members of the public.

insure4sport policies include Public Liability cover for the following eventualities:

- Damages or awards made to a third party
- Legal fees and expenses incurred in your defence
- Third party medical costs where the NHS is entitled to a claim

All insure4sport policies include Public Liability Insurance in order to protect you from potentially costly claims arising from third party personal injury, property loss or damage.

insure4sport offers Public Liability Insurance of up to £5 million for each and every incident/occurrence each and every year you are insured with us.

Professional Indemnity Insurance
insure4sport Professional Indemnity insurance protects you against claims arising from your legal liability.

insure4sport policies all offer professional indemnity insurance to ensure that any claims made against you arising from a negligent error or mistakes in the advice or services you provide to a customer, client, team mate or opponent are covered. Because of the nature of professional indemnity insurance it is recommended that there are no lapses in cover as it is essential that PI cover is in place at the time any error or mistake happens and at the time of any claim made against you.

insure4sport coaches and personal trainer policies automatically include (free of charge) £1 million worth of professional indemnity cover each year. For our teams and individual policies this is an optional extension.

insure4sport policies provide up to £1m limit of Indemnity for any one period of cover for Professional Indemnity Insurance each year and is automatically provided with Public Liability cover.

Sports Accident Insurance
Sports Accident Insurance (sometimes referred to as Personal Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.

insure4sport provides a benefit for Accidental Death and Permanent Disablement up to £25,000 and a contribution towards Medical Expenses and Physiotherapy up to £500, and Loss of Income up to £250 per week. We have extended this for teams and individuals to cover Broken Bones.

Sports Equipment Insurance
Those involved in sport spend a significant amount of money on their sports equipment, whether used for coaching, playing or for their team. Unfortunately statistics show that millions of pounds of sports equipment is stolen each year in the UK alone. It is therefore vital that if your sports equipment is stolen, lost, or damaged, you will be compensated. Our sports equipment replacement cover is on a ‘New for Old’ basis for items purchased which are less than a year old subject to satisfactory proof of ownership. Items older than one year will be replaced on the indemnity value of that equipment at the time of loss or damage.

insure4sport offers cover up to a maximum sum insured of £1,000 per coach/instructor or premises subject to a maximum single article limit of £250.

Employers Liability Insurance
insure4sport Employers Liability insurance enables your business to meet potential compensation costs and legal fees. Employees injured due to an employers negligence can seek compensation even if the business has ceased to trade. Even if you use self-employed staff, unpaid employees or volunteers you may still need employers liability insurance.

If you employ staff it is a legal requirement to have employers' liability insurance and failure to do so can lead to a fine of up to £2,500 a day where no cover is/was in place.

Please note that this is only a summary to the cover insure4sport can provide you and does not contain the full terms and conditions of the Insurance. Full details can be found in the Insurance Booklet.