Sports insurance is a specialised type of insurance product that is purchased by amateur and professional sports people, as well as by sporting clubs and societies. The term sports insurance is a blanket term that is used in the definition of a number of independent insurance products, that cover people and clubs for issues as diverse as travel, health, and liability. While a professional sports person may be more interested in travel and medical related insurance cover from a sporting contract, it is more likely that a club or society is looking for liability protection to cover themselves in the case of an accident or injury on their premises.

Liability insurance plays a big part in many sports insurance contracts, where it is designed to protect the insured party from the risks of liabilities that may be imposed by lawsuits and other legal claims. For a sporting club or society that invites lots of people into their premises on a regular basis, this type of insurance coverage is absolutely essential. Liability insurance, whether purchased alone or as part of a customised sports insurance policy, is designed to offer specific protection against a number of third party claims. With a growing culture of legal accident and injury claims made against government and private establishments, access to general, public, and legal liability insurance is more important than ever before.

There are a number of different levels of coverage that might be provided by a liability policy, including the two major duties of the duty to defend and the duty to indemnify. Both of these issues are of massive importance for a sporting club or society, with the duty to defend allowing for legal assistance when it is needed and the duty to indemnify providing financial support if anyone should ever make a legal claim. Clubs and societies may have additional needs from a sports insurance policy, such as travel insurance for sporting tours, health insurance for members, or property insurance for sporting premises, many of which will be able to be included on a sports insurance policy along with dedicated liability cover.

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