Experts in Sport, Dance and Leisure insurance
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Public Liability Insurance

Public Liability Insurance is designed to cover you should you or your organisation be accused of injuring someone or causing damage to their property.

Depending upon the sport or activity you are involved in, Public Liability might not a legal requirement but may be a requirement of a governing body, local authority or facility provider. Even if it is not compulsory we would normally strongly recommend Public Liability Insurance to all those involved in Sport, Dance or Leisure activities.


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How public liability insurance is purchased very much depends upon your circumstances. You may find that affiliation to a governing body, league or franchise gives automatic cover. Alternatively you will have to arrange cover yourself; this is especially true of commercial businesses in the sport, dance and leisure sectors.

You should make sure you understand what is covered by your policy as some are more comprehensive than others. Some Public Liability policies have restrictions regarding player to player or member to member injuries and some will exclude any injuries to sporting participants even if you are at fault. Alternatively some policies might cover your primary sporting, dance or leisure activities but not for any associated social activities.  

Public Liability Insurance will often require you to implement a minimum level of risk management or health & safety in order to reduce the likelihood and severity of a claim. If you are a larger organisation or involved with more dangerous activities this can become more important and could not only determine how much your insurance costs but whether you can actually obtain cover at all.

Most people involved with sport, dance or leisure will have an annual insurance policy, however it can be possible to insure your liability for a single event if that is all you require.

Note that public liability insurance is not normally designed to cover injury to your employees or volunteers, which is more appropriately covered by Employers Liability Insurance and / or Personal Accident Insurance.

For advice or help with your Public Liability insurance please telephone 01905 612336 or send us an email.

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"Just a few lines to congratulate all at Mann Broadbent on your fabulous claims service , it makes my job easier believe me. Keep up the great work!"

Jeff Jones, Senior Partner, Lawson D Jones

The Somerset Cricket League contacted a number insurance providers when it decided that every club MUST have Public Liability cover if it was to be a member of the League. We looked at a selection...

Ray Hancock, Hon. Secretary, Somerset Cricket League

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Mann Broadbent have always gone to great lengths to look after the insurance needs of the Worcestershire FA and have provided an excellent service for over 20 years.

Mervyn Leggett, Vice - President, The Football Association

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I am continually impressed and greatly appreciated the prompt and very efficient service we always receive from Mann Broadbent in dealing with the Public Liability/ Personal Accident, ...

Les Todd, Vice President, Northumberland FA

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Mann Broadbent have gone to great lengths to understand the insurance requirements of Last Man Stands Franchise holders in the United Kingdom ...

Wayne Greve, Last Man Stands

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We moved all our insurance business to Mann Broadbent earlier this year and have found the service to be exemplary with the highest of professionalism at all times ...

Mike Pegg, National President, English Petanque Association

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Sutcliffe Insurance Brokers Ltd t/a Mann Broadbent is authorised and regulated by the Financial Conduct Authority 306068
2 Foundry Street, Worcester, WR1 2BJ tel:01905 612336 | Registered in England No 1167560
If you cannot settle your complaint with us, eligible complainants may be entitled to refer it to the Financial Ombudsman Service for an independent assessment.
The FOS Consumer Helpline is on 0800 023 4567 and their address is: Financial Ombudsman Service, Exchange Tower, London E14 9SR.
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