Property insurance for rugby clubs

What does club property insurance cover?

Property insurance can cover the club's physical buildings and its contents. So that’s your premises, equipment, and stock – all the things you need for your club to function. With this cover in place, if an unexpected event, like a storm, flood, or a fire causes damage or loss, you’re financially protected.  

Buildings insurance

Protect your premises with buildings insurance approved by the RFU. So that's cover for outbuildings, changing rooms, and your clubhouse, as well as your:

• Pavilions
• Gyms
• Playing surfaces
• Pitches
• Scoreboards
• Fixed floodlights
• Goal posts
• Fixtures and fittings
• Car parks
• Fencing

Accidental damage and subsidence to the main building are covered as standard.
 

Contents insurance

Your contents are your club’s belongings that you use day to day. These are broadly what you’d take with you if you moved premises, such as:

• Office equipment
• Furniture
• Machinery, plant, and maintenance equipment
• Sports equipment stock
• Cups, trophies, and silverware
• Fine art
• Stock
• Food and drink

Full all-risks cover includes:

• Accidental damage and breakdown 
• Costs due to broken glass
• Loss of money
• Lock replacement
• Refrigerated stock
• Contents temporarily removed from your premises, including for cleaning or repair 
• Losses from dishonesty  

Bear in mind that for a claim for theft of property to be valid, there needs to be evidence of forced or violent entry or exit from a secure place. You’ll also need to meet minimum security conditions.
 

Sports equipment and portable property

Your club doesn’t stand still, with transporting equipment a constant. Portable equipment cover protects your electronic equipment, sports equipment, portable plant, machinery, and maintenance equipment while on the move.
 

Business interruption insurance

Fire and flood can unfortunately have devastating impacts on clubs from more than just a structural perspective. They can also knock out your ability to operate, play matches and make money for months, or even years. 

Business interruption insurance offers protection for lost income if your insured property – your buildings, contents, or equipment – are damaged by an unexpected event. This could be a fire or a storm that stops you from operating as usual, for example.

This is included as standard and also covers increased costs, such as staff training, while you minimise more loss for your club. 
 

Property insurance optional add-ons

On top of the standard property policy, you can choose to add cover for other risks, including:

• Loss of licence: This protects the club’s losses and expenses for up to £50,000 if you lose your licence to sell alcohol and have to close your bar.
• Legal expenses:  This provides legal support to help you navigate conflicts with neighbours, landlords, and staff. That’s cover for expenses in and out of court when you’re pursuing or defending your legal rights.
• Theft by employees: This gives you up to £10,000 of cover for theft of money by members of staff. This includes investigation costs, legal action, and any extra losses that happen due to the theft.