Necessary Insurance for Football Clubs
Humourist Dave Barry once commented, "I like football because
there's a lot of action and drama. There are no time outs, so the
only way players can catch their breath is to sustain a major
injury, which some players are very good at ... Some players suffer
four or five fatal injuries per game. That's how tough they are."
Obviously, the members of a typical football club will not endure
the same injuries as professionals. Still, the humourous quote still
speaks to the ease of sustaining injury playing football, and
consequently the importance of purchasing the appropriate insurance.
Any time someone is putting him/herself at risk, financial
protection in the event of injury is an essential.
A football club should carry insurance that protects each of the
individual players, covering most or all of the medical expenses
needed to treat any injury sustained on the field. Among the many
areas of protection that all sports club policies should carry for
their players are Personal Liability Protection, Hospital Benefits,
earnings in the event that the injured party is unable to work
following the injury, and other Person Accident Benefits. These
criteria are especially important for Senior teams, as its members
are more prone to various injuries on the field.
Did you know that you can buy
temporary car insurance in Britain?
For Junior teams, personal accident benefits, and
Personal Liability insurance
Protection are also essential, as are hospital benefits. Some
policies carry a "Broken Bone Benefit", which is another recommended
bit of protection, as well as dental fees.
It is also important that the sports related insurance policy come
with umbrella insurance to cover excess and unexpected fees. In
certain instances, the expenses of an insurance claim can skyrocket
out of control, and so it is more than a good idea to have extra
funds available in the policy to cover legal fees and other extra
More than insurance for its players, a football club will need to
insure its staff, and all those responsible for the club's
day-to-day operations, including the volunteers. Additionally, the
equipment and facilities should be insured, as well. Damage to the
field or to the property can put a halt to the games. Such damage
usually requires expedient repair, and lots of funds. A
comprehensive insurance policy will provide the funds necessary to
repair any damage to the facilities, or to the football field,
allowing for the games to resume.
There are many different areas of Sports Insurance, including
Activity Insurance, Athletic Insurance, Camp Insurance, Facility
Insurance, Amateur Club Insurance,
short term car insurance and a few more. Proving insurance
for sporting clubs is one of the fastest growing fields, as more
clubs are becoming aware of the need to protect themselves and the
Some foresight goes a long way towards making sure that the game is
enjoyed to its very fullest.
Gordon Roberts, Afan, 2011 All Rights Reserved