What is football insurance?
Football is a high intensity sport which requires quick feet and speed of thought. The equipment used to play football, even at amateur level, is also more sophisticated and expensive than ever.
As such, the risks of injuring another player or having your equipment lost, damaged or stolen can be high. That’s why you need specialist football insurance to protect yourself against a range of incidents, both on and off the pitch.
Our football insurance for coaches, teams and players can include Public Liability, Professional Indemnity, Personal Accident and Equipment Cover. Read on to find out how it can stop you scoring a financial own goal.
What does football insurance cover?
Public Liability protects against injury or property damage:
One bad injury, mistimed tackle or misplaced shot could result in you paying large sums of money if you don’t have Public Liability.
If you’re a coach, a member of your team might injure themselves and hold you responsible. They could also take a shot which accidentally damages someone’s car or breaks a window.
If you’re a player, you might accidentally injure another player and they could take legal action against you.
In these instances, having Public Liability is essential. Public Liability protects your legal liability if a claim is made against you for third party injury or property damage.
Our Public Liability insurance can provide up to £10 million of cover, depending on your requirements.
This includes FREE £1 million of Professional Indemnity cover, which protects you from claims relating to instructions you’ve given to someone else.
Personal Accident cover if you require treatment:
For footballers at any level, sustaining a serious injury is a traumatic experience.
But for those outside the professional game, it can be even more detrimental if your injuries result in physiotherapy costs or no income for a long period of time.
Thankfully, our Personal Accident cover will cover you for up to £500 if you’re admitted to hospital, or require physiotherapy or dental treatment from a football injury. This cover also provides a benefit for accidental death and permanent total disablement.
On top of this, we offer a Loss of Earnings weekly allowance which provides you with up to £750 a week of compensation for up to 52 weeks if you cannot attend work following a footballing accident.
Compensation for equipment repairs and replacements:
It’s safe to say that today’s football equipment, from boots to goalkeeper gloves, is considerably more expensive than it used to be.
Therefore, imagine if this equipment was lost, stolen or damaged and you desperately needed repairs or replacements.
If you didn’t have suitable Equipment cover, you would have to pay for these repairs or replacements out of your own pocket.
This is why Insure4Sport offers specialist Equipment cover. And if your equipment is less than a year old - and you bought it new - we’ll replace it New-for-Old. What’s more, we offer free cover on the first £250 worth of equipment. This means for example, if you wish to insure £750 of equipment, you will only pay for £500 worth.
Why choose our football insurance?
Our football insurance protects coaches, players and teams from some of the common incidents that can take place when playing the sport.
Get an instant online quote with us today and make sure you are fully focused on the game.
Public Liability Insurance covers you for third party injury or damage to property.
Professional Indemnity Insurance protects you from legal action following advice given.
Provides financial support should you receive an injury whilst carrying out the activity which you are insured and you are unable to work. The maximum benefit period for this cover is 52 weeks. There is an excess of 14 days on this section.
Personal Accident Insurance (sometimes referred to as Sports 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, Permanent Disablement, Loss of Limbs and Sight up to £50,000. Plus there is cover in place should you require Physiotherapy or Emergency Dental Treatment. We will also financially compensate you should you require a hospital stay or break a bone.
Provides protection against loss of, theft or damage to your valuable sports equipment should the unthinkable happen. Cover for items less than a year old is on a new for old basis. A Single Article Limit of £2,500 and a £50 excess applies to all claims. Sports equipment excludes bicycles and bicycle accessories. This cover is however available through our bespoke bicycle product “Cycleplan”. Please visit www.cycleplan.co.uk for further information.
Employers Liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. If you are a business or employee people this is a legal requirement.
If you employee volunteers you should still select the option but leave the wage roll values clear.
Participant to Participant Liability provides cover if one of your participants/players injures another participant/player during a sport where tackles, scrums, mauls, or throws are permitted (e.g. football or MMA). If you’re a coach or instructor, and you are deemed liable, then you will be protected.
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