This directory lists UK firms that arrange or underwrite sports insurance for clubs, coaches, instructors, and athletes. Entries are listed alphabetically and were compiled in June 2026; this is a reference list, not a ranking or recommendation. Sports insurance commonly combines public liability with personal accident cover, and clubs with staff also need employers' liability. Kael Tripton does not provide quotes, does not route enquiries to brokers, and does not earn commission from any firm mentioned.
Key Facts
- Sport England guidance states organisations delivering sport should hold adequate public liability insurance, and employers' liability if they employ staff (Sport England; ABI, accessed June 2026).
- Local authorities and venues often require a minimum level of public liability cover, commonly £5 million, before allowing pitch or facility hire; specific limits are set in each council's or venue's own hire agreement.
- Sports cover commonly combines public liability for third-party injury or damage with personal accident cover for participants.
- Many clubs must be affiliated to their national governing body, which can carry its own insurance scheme requirements (Sport England, accessed June 2026).
- Firms arranging or underwriting sports insurance must be FCA-authorised, verifiable on the FCA Register, with disputes referable to the Financial Ombudsman Service (FCA; FOS, accessed June 2026).
How this directory is compiled
This directory lists firms known to arrange or underwrite sports insurance in the UK market, sorted alphabetically with no ranking implied. Inclusion is based on a firm's presence in UK sports insurance, drawn from the firms' own published material. The directory does not rate, rank, or recommend any provider.
Verification is the reader's safeguard. FCA reference numbers are stated only where they were independently confirmed at the time of writing; all other entries are marked for verification on the FCA Register at register.fca.org.uk. Where a firm trades under a brand name, the authorised legal entity is shown. Readers should confirm the current authorisation of any firm, and the underlying insurer, before buying.
A transparency note: at the time of compilation, FCA reference numbers were independently confirmed here for a subset of the firms listed. This reflects the fact that several sports insurance products are sold under scheme or brand names that sit behind an arranging entity or a Lloyd's market underwriter. The verification steps below explain how to confirm any entry yourself.
Provider directory
| Provider | Type | FCA reference | Specialism |
|---|---|---|---|
| Bluefin Sport / Marsh Sport | Broker (Marsh) | Verify on FCA Register | Clubs and governing bodies |
| Coversure | Broker network | Verify on FCA Register | Clubs and SMEs |
| Endsleigh | Broker | Verify on FCA Register | Clubs and associations |
| Gallagher Sport | Broker (Gallagher) | 311786 | Clubs and governing bodies |
| Howden Sports & Entertainment | Broker (Howden) | Verify on FCA Register | Clubs, events, athletes |
| Insure4Sport | Scheme (Ripe Insurance Services Ltd) | 313411 | Coaches, instructors, teams |
| Perkins Slade | Broker | Verify on FCA Register | Governing bodies and clubs |
| Ripe Insurance | Scheme provider | 313411 | Individual and team cover |
| Sportscover | Lloyd's market underwriter | Verify (Lloyd's syndicate) | Clubs and federations |
| Sports Insurance 4 U | Broker | Verify on FCA Register | Individual athletes |
| Towergate (Ardonagh) | Broker | Verify on FCA Register | Clubs and leisure |
| PolicyBee | Broker | Verify on FCA Register | Coaches and instructors |
Every entry should be confirmed on the FCA Register, accessed June 2026. Where a firm operates under a Lloyd's syndicate or an arranging entity, confirm both the brand and the authorised firm or managing agent.
Profile per provider
Insure4Sport
Insure4Sport is a trading name of Ripe Insurance Services Limited, authorised by the FCA under reference 313411. It arranges multi-sport cover spanning hundreds of activities for coaches, instructors, and teams, including public liability up to high limits and personal accident options, with insurance provided through a panel insurer.
Ripe Insurance
Ripe Insurance Services Limited, authorised by the FCA under reference 313411, sits behind several specialist schemes including sports cover. It arranges public liability and personal accident cover for individuals and teams across many sports.
Gallagher Sport
Gallagher arranges sports and entertainment insurance through Arthur J. Gallagher Insurance Brokers Limited, authorised by the FCA under reference 311786. It works with clubs, governing bodies, and events on liability and risk programmes.
Perkins Slade
Perkins Slade is a long-established broker specialising in sport and leisure, having helped develop sports cover schemes including work with national bodies. Confirm the authorised firm on the FCA Register before purchase.
Howden Sports & Entertainment
Howden arranges sports and entertainment insurance for clubs, events, and athletes through its specialist team. As Howden operates several authorised entities, confirm the relevant firm on the FCA Register.
Sportscover
Sportscover underwrites sports insurance in the London market through a Lloyd's syndicate. Cover is typically arranged through brokers, so confirm both the broker and the Lloyd's underwriter.
How to verify a provider's authorisation
The FCA Register at register.fca.org.uk is the primary check. Search the firm's name or reference number to confirm it is authorised and to see the activities it is permitted to carry out. For schemes sold under a brand name, search the legal entity, such as Ripe Insurance Services Limited for Insure4Sport.
For cover underwritten in the Lloyd's market, the broker arranging the policy should be FCA-authorised, and the risk is carried by a Lloyd's syndicate through a managing agent. Confirm the broker on the FCA Register and ask which syndicate underwrites the cover.
Companies House at find-and-update.company-information.service.gov.uk provides a cross-check on a firm's legal status and filing history. The Register confirms authorisation but does not tell you about claims experience or service quality, which you should research separately.
How to compare providers in this category
Define what the club, coach, or athlete needs: public liability for third parties, personal accident for participants, and employers' liability if staff are employed. Check whether your national governing body operates a scheme, as affiliation may include or require specific cover.
Compare the public liability limit against any facility hire requirement, since councils often require £5 million. For personal accident, check the benefit levels, age limits, and what counts as an insured activity. Read the exclusions for contact sports, professional participation, and pre-existing injuries.
Then verify the firm and the underlying insurer on the FCA Register, and confirm the dispute route is the Financial Ombudsman Service for eligible complaints once the firm's complaints process is complete.
Frequently asked questions
What insurance does a sports club need?
Sport England guidance indicates clubs delivering sport should hold adequate public liability insurance, and employers' liability if they employ staff. Many clubs also take personal accident cover for participants and must meet their governing body's requirements.
How much public liability cover does a club need?
There is no single figure, but local authorities often require a minimum such as £5 million for facility or pitch hire. Check the hire terms and your governing body's requirements before choosing a limit.
What is personal accident cover in sport?
Personal accident cover pays benefits for accidental injury or death sustained while participating in sport, and can include benefits such as loss of earnings up to a weekly limit. Terms and benefit levels are set in the policy documentation.
Are sports insurance schemes FCA-regulated?
Yes. The firm arranging or underwriting the cover must be FCA-authorised, even where the product is sold under a scheme or brand name. Confirm the authorised legal entity on the FCA Register.
How do I verify a sports insurance company?
Search the firm on the FCA Register at register.fca.org.uk and cross-check its legal status on Companies House. For Lloyd's market cover, confirm the broker is authorised and ask which syndicate underwrites the policy.
What if my sports insurance claim is rejected?
Use the insurer's internal complaints process first. If you remain dissatisfied, you can refer an eligible complaint to the Financial Ombudsman Service, which independently reviews disputes between consumers, smaller businesses, and FCA-regulated firms.
