Specialist running insurance for coaches, running clubs, and solo runners
Whether you’re just getting started, an experienced long-distance runner, or somewhere in between, running insurance through Insure4Sport can cover casual and competitive runners, running clubs, and coaches for a wide range of running activities.
Running can test your fitness and endurance to the limit, so accidents and injuries can happen. However, specialist running insurance can help financially protect you should something go wrong.
Why choose Insure4Sport for running insurance?
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FREE Multi-Sports Cover
Insure4sport arranges multi-sport cover for over 400 sports & activities.
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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.
Types of running insurance
There are several options available to you when taking out running insurance through Insure4Sport, depending on the type of runner you are:
Individual runner insurance: Designed for solo runners (casual and competitive) and can include personal accident, public liability, equipment cover, and more.
Running coach insurance: Coach and instructor policies can include the same options as an individual policy, with the addition of Public Liability with Professional Indemnity and Employers’ Liability cover.
Running club insurance (or team): Designed for running clubs or groups that run together and want collective cover for accidents and injuries.
What does running insurance cover?
Running (individuals and running clubs)
- Public Liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Personal Accident – covers accidental injury or death, dental treatment, and more following a running accident
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies
- Theft, loss and damage to running equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide cover
- Any claims not arising from running
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of running)
- Loss or theft of any running equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for running equipment without evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents page.
Running coach insurance
- Professional Indemnity – up to £5m
- Employers’ Liability
- Public Liability – up to £10m for accidental bodily injury to a third party (and damages in respect of such) and accidental damage to third-party property
- Personal Accident – covers accidental injury or death, dental treatment, and more following a running accident
- Loss of earnings – up to £750 per week for up to 52 weeks. An excess of 14 days applies.
- Theft, loss and damage to running equipment
- Hospitalisation compensation – if you are admitted as an in-patient for more than 24 hours
- Worldwide Cover
- Any claims not arising from running
- Any liability for damage to property belonging to you or in your care (excluding premises and other property you temporarily occupy for the purpose of running)
- Loss or theft of any running equipment left unattended unless there is evidence of forced entry and/or exit to or from any premises, changing room, or any securely locked locker or similar places of storage
- Any claims for running equipment without evidence of ownership
- Theft, loss or damage to mobile phones
For more information visit our Important Documents Page.
What types of running are covered through Insure4Sport?
Cover is available for several types of running through Insure4Sport. From casual jaunts through the local park to more intense, long-distance events, running insurance can help keep you on track.
You can also get specialist cover for marathons (including ultra-marathons) and Ironman competitions.
Fell running
Indoor running
Cross country running
Why consider specialist running insurance?
Running pushes your body to the limit, so whether you’re coaching, running with a group, or just by yourself, running insurance can protect you should something go wrong. For example:
Running or run club insurance through Insure4Sport can help you if:
- You get injured or cause an injury to someone else while running
- Your running equipment is lost, stolen or damaged
- You damage someone else’s property while running
Running coach insurance can also provide cover if:
- A client makes a claim against you for an injury sustained while following your coaching advice
- Another coach makes a claim against you for injury or illness while working for you
Do I need insurance to go running?
Running insurance is not a legal requirement, unless you’re in charge of a run club that employs coaches and other members of staff. In that case, you would be required to have at least Employers’ Liability insurance as a minimum.
Some running clubs may offer a basic level of Public Liability or Personal Accident cover to their members, but this may not provide the same level of cover as a specialist policy.
Some running event organisers may also include basic insurance as part of the event registration process. However, it’s always important to double-check what’s covered and what’s not with these packages, as well as any other requirements that may apply for running at certain venues.
FREE multi-sports cover
Do more than run or coach running? You could benefit from free multi-sports cover through Insure4Sport.
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The cost of running insurance through Insure4Sport will vary depending on the type and level of cover you choose to take out. The quickest and easiest way to find out how much yours could cost is to get a quick quote online.
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If you wish to insure multiple running coaches, you’ll need to list them when you take out your coach policy, as only people listed will be covered.
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You can get running coach insurance through Insure4Sport provided that you have a relevant coaching qualification recognised by a UK sport governing body, such as UK Athletics, or you’ve got at least three years of practical coaching experience.
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Like standard runner insurance, running clubs are not legally required to have insurance. However, if you’re in charge of a club, you may want to consider specialist cover to protect yourself and your members from accidents, injuries, and potential liabilities to third parties.
Looking for running club insurance?
Find out more about running club insurance to see how you could help to financially protect your running club with building and contents insurance.
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