Sport & Recreation Insurance

At Insurance Broking Services, we understand the unique challenges faced by sporting clubs, recreation facilities, and leisure operators. Sport and recreation businesses occupy a unique insurance position — you invite the public to participate in physical activities that carry inherent risk of injury, you rely on volunteers whose legal status as workers can be ambiguous, and you operate infrastructure from ovals and courts to pools and gymnasiums that must be maintained to a standard that satisfies both safety regulators and insurers. Public liability is the foundation cover, but the scope of what it needs to cover varies enormously by activity — a community football club has different exposures to a martial arts gym, a paintball venue, or an indoor trampoline park. Abuse and molestation liability is a critical and sometimes overlooked cover for any organisation that works with children, with claims capable of arising years after the alleged incident. Management liability protects committee members and office bearers of sporting associations and clubs from personal liability for governance decisions, employment disputes, and regulatory actions — an exposure that many volunteer directors do not realise they carry. Event liability covers the specific risks of competitions, tournaments, and fundraising events, including cancellation costs and spectator liability. We leverage our industry knowledge and insurer connections to build tailored insurance solutions for your situation, ensuring your members, your volunteers, your facility, and your organisation are properly protected.