Specialist multi-sports cover for players, coaches and instructors
Playing or coaching sports can carry several risks, and accidents and injuries can occur at any time, regardless of the physicality of the sport.
If you’re a sports coach, instructor, or just like playing sports in your own time, specialist multi-sports insurance through Insure4Sport can cover more than 400 sports, helping financially protect you and your gear should something go wrong.
How does multi-sports insurance work?
At Insure4Sport, we place each sport we cover into one of five risk groups (A-E). Risk Group A is the lowest risk, while Risk Group E is the highest. These risk groups remain the same across all policy categories: PT, fitness instructor, coach, team, player, and participant*.
If you play, coach, or instruct more than one sport or activity, and each one falls into the same group (or lower), you’ll be insured to play, coach, or instruct each sport on the same policy at no extra cost.
Sport risk groups
If you're insured for:
- Risk Group A: you are covered to play or instruct sports within that group only
- Risk Group B: you are covered to play or instruct sports within groups A and B
- Risk Group C: you are covered to play or instruct sports within groups A, B and C
- Risk Group D: you are covered to play or instruct sports within groups A, B, C and D
- Risk Group E: you are covered to play or instruct sports within all the above risk groups
Here are a few examples of some of the sports in each risk group.
- A: Badminton, Cheerleading, Fishing, Swimming
- B: Basketball, Cricket, Football, Golf
- C: Archery, Sailing, Gymnastics, Cycling
- D: Indoor Climbing, Bouldering, Skiing, Snowboarding
- E: MMA, Bungee Jumping, Mountaineering, Paragliding
Check out the full list of sports we cover for more information. A full breakdown of risk groups can also be found via our Important Documents page.
*Coaches and instructors must have the necessary qualifications for their chosen sport(s), formally recognised by a UK governing body unless otherwise agreed in writing with us.
Why consider multi-sports insurance?
Regardless of whether your chosen sport(s) falls into Risk Group A, E, or somewhere in between, playing or coaching can always carry an element of risk. However, having the right insurance can bring peace of mind and reassurance if something goes wrong.
Multi-sports insurance through Insure4Sport can provide cover in various scenarios, such as if:
- you get injured while playing or coaching
- your or someone you're coaching causes damage to your venue
- your sports equipment is lost, stolen, or accidentally damaged
- another coach claims compensation for an injury they sustained while working for you
Please note: If you run a sports coaching business that employs other coaches and staff, Employers' Liability Insurance is a legal requirement.
Why choose Insure4Sport for multi-sports insurance?
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UK customer service team
Want to ask a question? Our UK-based customer service team are here to help.
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FREE £250 Equipment Cover
Get cover for theft, loss or accidental damage of your equipment when purchasing a policy.
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Rated 'Excellent' on Trustpilot
Rated Excellent on Trustpilot and insurance provided by Aviva.
Looking to insure your gym or sports club?
Find out more information about insuring the building and contents you use for your chosen sports.
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The cost of multi-sports insurance through Insure4Sport can vary depending on the type and level of cover you choose and what risk group your sport(s) falls into.
The quickest and easiest way to find out the cost of your policy is to get a quick quote online.
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Yes, you can add sports from different risk categories to your policy, and you’ll be covered for all sports in the highest-risk group.
For example, let’s say you want to take out cover for basketball (Risk Group B) and climbing (Risk Group D). As you are covered for a Risk Group D sport, you’ll also automatically be covered for sports in risk groups A, B and C.
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If you’re taking out a coach or instructor policy through Insure4Sport, you must hold a relevant qualification recognised by a UK national sport governing body for each sport you wish to coach. First aid certificates and qualifications are not a requirement for your insurance, but they may be required to coach at certain venues.
If you’re a children’s sports coach, you’ll also need an enhanced DBS check.
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