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What Is Bowls Club Insurance and Why Do You Need It?
Bowls Club Insurance is designed to cover potential risks that could financially impact your club. These risks include:
- Property: loss or damage to your club, buildings, pavilions, bowling greens, contents, and greenkeeping equipment.
- Liability: Legal liability if someone is injured or their property is damaged whilst participating in club activities or using the greens.
- Income: Potential loss of earnings if your club is unable to operate due to an insured event.
What types of Bowls Clubs can I insure?
We can provide cover for a vast range of bowls clubs, from small local community greens to large indoor bowls complexes and county associations. Whether your focus is outdoor lawn bowls, crown green bowling, or indoor carpet bowls, we can tailor an insurance solution to your needs.
What Type of Bowls Club Insurance Do I Need?
Your club’s unique needs will determine the type of cover required. This could include:
Property Insurance: To protect buildings, clubhouses, changing pavilions, playing surfaces, and maintenance equipment.
Public and Products Liability: To cover claims made by members of the public, visitors, or third parties (such as injuries from stray bowls or slips on the premises).
Employers’ Liability: Required by law if you have employees, including bar staff or greenkeepers (even on a casual or voluntary basis).
Business Interruption: To protect income if your club has to temporarily cease operations due to an insured event.
What Do I Need To Get a Bowls Club Insurance Quote?
To give you the most accurate quote for Bowls Club insurance, we’ll need to know:
- The type of bowl activities your club conducts (e.g., outdoor lawn, indoor, crown green).
- The number of members in your club.
- Details about your club’s premises, greens, and assets.
- Your club’s annual turnover and wage roll.
- Any previous claims or potential risks your club may face.
Why Get Bowls Club Insurance with All Sport Insurance?
When you choose All Sport Insurance for your Bowls Club insurance, you’re choosing:
- A tailored approach to insurance for bowls clubs of all sizes and traditions.
- Expert, personalised service from our knowledgeable team.
- Competitive premiums for comprehensive cover.
- A straightforward and supportive claims process.
How Much Does Bowls Club Insurance Cost?
The cost of Bowls Club Insurance varies based on such factors as the size of your club, the type of sports activities, and its claims history. The price can start from as little as £150 per year for smaller clubs with basic cover and scale up to several thousand pounds for larger or more complex organisations.
Public Liability Insurance – from £100/year
Directors & Officers Insurance – from £150/year
Sports Equipment Insurance – from £100/year
Buildings/Clubhouse Insurance – from £400/year
Optional Upgrades and Add-Ons
At All Sport Insurance, we offer several options to enhance your Sports Club Insurance coverage:
Enhanced Property Cover: from £100 – £300
Additional Money Cover: from £50 – £100
Personal Accident Cover: from £75 – £200
What Can Affect The Bowls Club Insurance Price?
Insurance premiums vary depending on several factors. Here’s what typically influences the price:
- Your Club’s Size and Location: Larger clubs or those in busy urban areas may face higher premiums due to increased exposure to risks like theft, vandalism, or high visitor numbers.
- The Type of Sports Activities and Public Interaction: Running youth programmes, community events, tournaments, or hiring out your clubhouse facilities for private functions can increase liability exposure — which can affect the cost of your cover.
- Your Claim History: A clean record with no recent claims helps keep premiums down. Previous incidents such as accidents, turf damage, theft, or vandalism may lead to higher future costs.
- Risk Type and Level of Cover: The more comprehensive your insurance package, the higher the cost — but also the stronger your protection.
How To Reduce Your Bowls Club Insurance Premium?
Here are proven ways to lower your insurance costs while improving your club’s safety, security, and professionalism:
- Upgrade Club Security: Install CCTV, motion-sensor lighting, and strong locks on clubhouses and equipment sheds where expensive greenkeeping machinery is stored. This may reduce your premium by 10–15%.
- Create a Risk Management Plan: Bowls clubs with formal risk management plans are seen as lower risk which may reduce your premium by 5 – 15%. To do that show insurers that you take safety seriously with:
- Regular green, ditch, and bank facility inspections
- Maintenance logs for mowers and equipment
- On-site first-aid provision
- Documented health & safety procedures
- Train Staff & Volunteers: Offer regular training in safeguarding, first aid, or health and safety (including safe chemical storage for turf maintenance) and keep a record of who completes it. Some insurers reward training with 5–10% discounts.
- Increase Your Voluntary Excess: Choosing a higher excess (e.g. £1,000 instead of £500) can reduce the overall cost of your premium. Potential savings: 5–20%.
- Bundle Your Policies: Combining multiple policies, such as liability, property, and specialized equipment into one package can unlock better rates. Potential discount: 10–15% overall.
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Our Reviews
Read testimonials from our many satisfied customers to discover why we’re the trusted choice for sports club insurance. Your peace of mind is our top priority, and we believe our reviews reflect this commitment.
Frequently asked questions
It can cover public liability, employers’ liability, equipment, personal accident, and premises.
While we cover a wide range of sports, some high-risk sports may require additional cover. Contact us for more details.
Yes, volunteers can be included under the employers’ liability section of your policy.
Club members can be covered for personal accidents under this policy.
Yes, the club’s sports equipment can be covered for theft, loss, or damage.
Your policy would help cover the legal costs of defending the club, as well as any resulting settlements or judgements.
Most club events should be covered under your policy, but for larger events, additional coverage may be necessary.
Yes, personal accident coverage can provide benefits for players who are injured
Other products that we offer…
Besides Sports Club Insurance, we also offer:
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