Free fact finder · United Kingdom
Sports clubs insurance fact finder
Every question the sports club forms ask, from the sports played and the bar to the committee and the buildings, asked once in plain English. Built from Camberford's sports and social clubs form and the general liability, property, cyber and management liability forms.
- No login needed
- Fillable PDF with your logo
- 141 questions
- Written for UK rules
What it asks
The questions underwriters ask, in plain English.
Each one comes with a line saying why it's asked, so your client answers fully the first time.
- 1Is any sport played on a professional or semi-professional basis?Paid players are a very different risk from amateurs. Many policies exclude them.
- 2Does a governing body or association (such as the RFU) already provide public liability cover for your sporting activities?Governing body cover can overlap with the club's own, so insurers ask what it already insures.
- 3Are door and security staff vetted and SIA licensed?Door staff are involved in many assault claims at club bars and functions.
- 4Are there written procedures for regular checks for spills and broken glass during opening hours, with the checks recorded?Slips and trips are the most common claim against a club. Recorded checks are the best defence.
- 5Do any of the buildings contain composite (insulated sandwich) panels?Some panels burn fast. Many insurers decline or load buildings that have them.
- 6Is the club trading at a loss, or does it have debts it may not be able to pay?Claims against a committee are more likely when a club is in financial trouble.
The club
Entity, people, turnover and how the club is set up.
Sports and facilities
The sports and facilities, professional players and any governing body cover.
Bar, functions and entertainment
Licensed capacity, SIA-licensed door staff, CCTV and police visits.
Safety and the buildings
Equipment checks, spill checks, handrails, composite panels, subsidence and arson.
Committee and fidelity cover
Club finances, staff disputes, legal actions and the limits for committee and fidelity cover.
How it works
- 1
Open it and try it
Answer it on the page as your client would. Follow-up questions appear as you go. Nothing is saved.
No login
- 2
Send it, or download the PDF
Send your client a link to answer by form or chat, with reminders sent for you. Or download a fillable PDF with your logo.
PDF free, no email
- 3
Fill the insurers' forms
When your client answers, one click starts each insurer's form with their answers in, and drafts the demands and needs for you to finish.
Free 14-day trial
Minimum cover
Compulsory cover for clubs
Employers' liability is the one cover the law requires of a club with paid staff. The public liability limit usually comes from the club's governing body or landlord.
- GOV.UK (Employers' Liability (Compulsory Insurance) Act 1969)
- Most employers must hold employers' liability insurance from an authorised insurer as soon as they take on staff, with cover of at least £5 million. GOV.UK lists the exemptions. The fine is up to £2,500 for each day without it.
- Governing bodies and landlords
- Your sport's governing body, a ground lease or the council may set a public liability limit. Check each one. Also check whether the governing body's own cover already insures your sporting activities.
A summary, not advice. A club whose only workers are unpaid volunteers may not need employers' liability, but many insurers include volunteers anyway.
Free tool or a free trial
The fact finder is free. A trial does the forms.
Free, no login
Everything you need to use it.
- The whole fact finder, answered as your client would
- How much of each insurer's form it fills
- Fillable PDF with your firm's logo
With a 14-day free trial
Your client answers once. No card needed.
- Send it as a link: answered by form or chat, with reminders
- Upload a PDF your client filled in and the answers are read in
- Start each insurer's form with your client's answers in
- A first draft of the demands and needs statement
- Next year, your client only confirms what changed
Before you ask
Questions about the sports clubs fact finder.
- Is the sports clubs fact finder really free?
- Yes. Answer it on the page as your client would, then download it as a fillable PDF with your logo. There's no login and no email. Sending it to a client as a link comes with a free 14-day trial.
- Which insurers' forms does it fill?
- Camberford's sports and social clubs proposal. It also fills general cyber and management liability forms from CFC, Chubb, DUAL and Travelers. The page shows how much of each one it fills.
- Is insurance compulsory for a sports club?
- Employers' liability is, once the club takes on paid staff, at a limit of at least £5 million. The public liability limit usually comes from the club's governing body, a ground lease or the council.
- What if the governing body already insures the club?
- The fact finder asks whether your sport's governing body already provides public liability for your client's sporting activities. That shows you what the club's own policy still needs to cover, such as the bar and functions.
Ask once. Fill every form.
Open the fact finder, try it as your client and download the fillable PDF. No login needed.
Open the fact finder