Sport insurance

Enhance your risk management game plan

We are deeply embedded in the world of sport, both professional and amateur


As the preferred insurance partner of more than 300 sport governing bodies worldwide, we protect millions of players, participants and spectators every week.

Whatever your sport, and however complex the risk you face, you can be sure we have the market access, experience and resources you are looking for.

With specialist teams supporting clients in the world of professional and amateur sport, you can be sure you’ll be working with a team who understands your needs and is fully committed to delivering for you.

Our client list includes:

  • Sport governing bodies, including many household names
  • Major tournaments watched by audiences in the billions (and plenty of smaller ones mainly supported by friends and family, too!)
  • 1000s of clubs, both amateur and professional
  • Professional athletes
  • Coaches and instructors
  • Recreational participants
  • Officials
  • Venues
  • TV broadcasters
  • Sponsors / brands
  • Event organisers
  • Equine and equestrian businesses

The top names trust us. You can, too

We count many of the UK’s biggest sporting names among our client list. They choose to work with us long-term, due to our ability to provide solutions to even the most complex risks without delivering over-inflated premiums, and our focus on proactive, efficient client service.

A set of rugby goal posts in a stadium
Woman playing football taking a strike

Amateur sports, professional service

Running amateur sports clubs is driven by passion. We share that passion for grassroots sport. More than 300 amateur sport governing bodies trust us to help provide cover for their members, protecting millions of people who play and coach recreational sport each week.

We know that running a club also means you might not have a huge amount of time to manage your cover. That’s why we offer an online ‘quote and buy’ services for amateur clubs. 

It only takes a few minutes to buy club property insurance designed in collaboration with your governing body, delivering extra peace of mind for you and your members.

What we do

We design solutions to your risk problems.  

We’ll put together a plan to cover your assets and liabilities, and where needed, help you introduce risk management initiatives that reduce the amount of issues in your organisation. This helps insurers look up your risk favourably during premium negotiations. Which makes risk management a key element of cost control.

Often these risk management plans are rolled out via the governing bodies, for example the tech-enabled risk management checks for clubs to follow, which can reduce accidents and claims significantly.

For governing bodies

Working together, we create policies and risk management plans to suit yours and your members’ needs.

We can:

  • Arrange cost-effective insurance and risk management for your tournaments and events
  • Create bespoke combined liability policies for you to provide to your members as part of their membership.
  • Offer preferential rates for your members on club property insurance, available online or over the phone.  
  • Handle any day-to-day insurance needs, for example covering business assets and premises
  • Provide claims advocacy and support, to get claims paid promptly

For professional athletes and clubs

We offer the full range of insurance protection for elite athletes and clubs.

This often includes event insurance and income/wage roll protection (including temporary and permanent disablement insurance).  

With some discussion, planning and negotiation, we can arrange cover for virtually anything, protecting your assets and covering liabilities unique to you.  

In professional sport, 80% of what we do is completely bespoke. And it all starts with a conversation. Let’s talk.

Amateur clubs and organisations

We provide access to a wide range of insurance solutions, covering the day-to-day aspects of running a club and providing advice on the risk management of special events.

Many of our solutions are designed in collaboration with your governing body, tapping into countless years of experience of working with clubs and organisations like yours.

Some of what we offer:

  • Combined liability policies including public and employee liability, professional indemnity, and directors and officers (D&O) cover
  • Property insurance
  • Insurance for special events such as charity days and fireworks nights
  • Risk management advice and initiatives (often rolled out via the relevant governing body)
  • Specialist schemes for golf clubs
  • Online quote and buy services.

Coaches and instructors

We look after more than 100,000 sports coaches, instructors, trainers and group leaders in the UK alone.

We can provide robust protection against the everyday risks your coaching business faces. 

Public liability, professional indemnity, employers liability, management liability and abuse coverage (for the organisation, not the offenders) can all be built into a tailored policy.

Find out more about our online quote and buy services.

Brands, sponsors and media companies

Our global Sport and Entertainment practice is ready to assist with all your insurance and risk management needs. We have more than 100 specialists worldwide, bringing a wealth of experience in risk-managing the business side of sports.

Cycling race

Our focus is on the prompt payment of claims

Our dedicated sport team is ready to help guide our clients and their members right the way through the claims process. Our claims experts aren’t outsourced. They’re an invaluable part of our team. Not only through the work they do in helping clients, but in delivering insights and analysis that allow us to constantly improve and enhance our policy wording.

Of course, their primary job is to help you. Making claims can be stressful, especially if you’re less experienced in doing so. Our claims team deal with sport and entertainment claims all day, every day. They understand how to help present even the largest and most complex cases to insurers in a way that maximises your chance of success.

How can we help?

Do you have an existing policy with Howden?

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What to do if you are experiencing financial difficulties

We recognise that the current economic conditions are putting pressure on many households and businesses. At Howden, we are committed to finding ways to assist our customers who may require additional support during these times.

If you’re currently facing financial difficulty, please speak to us about your insurance policies by:-

-contacting your Howden Service Team; 
-calling Howden on 020 7623 3806;
-using the Enquiry form.

Let's talk...

(0)121 698 8160

We'll put you in touch with the person best equipped to help.