From busy clubhouses to unattended gyms and shared facilities, explore six sports sectors within our Commercial Combined appetite.
Commercial Combined for six sports club sectors, from an underwriting team that understands the whole operation, not just the game.
Sports clubs are some of the most varied risks a broker places. Clubhouses, licensed bars, function rooms, floodlit pitches, gym floors and padel courts, often run by volunteers and often on leased or shared sites. Jensten Underwriting has built a Commercial Combined proposition around six sports club sectors, with a dedicated appetite guide for each.
FootballPadelHockeyRugbyGymsAthletics
Football Clubs
Football clubs are a key target sector for Jensten. We understand the diverse exposures that football clubs present. Combining clubhouses, bars and social facilities with pitches, changing rooms, spectator attendance and community events, these organisations require insurance that reflects the way they operate.
Our Commercial Combined solution is well suited to football clubs of all sizes, providing flexible protection for property, liability and business interruption risks across the whole operation.
Accepted Risks
- Clubhouse and licensed bar operations, including function room hire to members and external parties
- Floodlit grass and 3G/artificial pitches
- Changing rooms, dugouts and spectator stands/terracing
- Groundskeeping equipment and machinery
- Social events, presentation evenings and fundraising functions held at the clubhouse
- Clubs at grassroots and amateur level
- Buildings from 1800 onwards, owned or leased premises
- Including micro-businesses under £500k turnover
Declined Risks
- Grade I listed buildings
- Pre-1800 buildings
- Total Sums Insured (TSI) exceeding £15 million any one risk location
- Semi-professional or paid-player clubs
Cover Highlights
- Material Damage (MD), also available standalone
- Business Interruption (BI), available alongside MD
- Liability cover, available alongside MD and BI
- Legal Expenses included
- Up to a Total Sum Insured (TSI) of £15 million any one risk location
- Minimum premium £1,200
How to submit a quote for Football Clubs
In order to obtain a new quotation, please email:
Including:
- Whether premises are owned or leased, and any landlord requirements
- Claims history (last 3 to 5 years)
- Details of floodlighting, 3G surfaces and any recent ground improvements
We aim to come back with a clear steer quickly. If it’s a fit, we’ll say so, and if we need more information, we’ll tell you exactly what.
Padel Clubs
One of the UK’s fastest-growing sports is firmly on our radar.
As demand for Padel continues to surge, we’re actively looking to support clubs across the sector. Whether your client operates indoor or outdoor courts, membership or pay-to-play models, coaching facilities, leagues or tournaments, we have a strong appetite for well-managed Padel risks.
New venture or established club, send it our way and let us take a look.
Accepted Risks
- Padel clubs and dedicated sports facilities
- Indoor and outdoor padel courts
- Clubs operating on a membership, pay-to-play or booking basis
- Coaching, lessons and organised competitions
- Club leagues and tournaments
- Spectator areas and viewing facilities
- Buildings from 1800 onwards, owned or leased premises
Declined Risks
- Grade I listed buildings
- Pre-1800 buildings
- Total Sums Insured (TSI) exceeding £15 million any one risk location
- Professional or elite-level clubs
Cover Highlights
- Material Damage (MD), also available standalone
- Business Interruption (BI), available alongside MD
- Liability cover, available alongside MD and BI
- Legal Expenses included
- Up to a Total Sum Insured (TSI) of £15 million any one risk location
- Minimum premium £1,200
How to submit a quote for Padel Clubs
In order to obtain a new quotation, please email:
Including:
- Whether premises are owned or leased, and any landlord requirements
- Claims history (last 3 to 5 years)
- Staffing model, including any self-employed coaching arrangements
- Details of floodlighting, surfaces and any recent ground improvements
We aim to come back with a clear steer quickly. If it’s a fit, we’ll say so, and if we need more information, we’ll tell you exactly what.
Hockey Clubs
Successful hockey clubs are built on commitment, community and making the most of shared resources. Often operating from leased or shared artificial turf facilities and managed by volunteer committees, they present a distinctive blend of property, liability and income exposures.
Jensten understands the realities of running a hockey club, from shared facilities and leased pitches to the operational demands of a volunteer-led organisation. That’s why we actively welcome these risks.
Got a hockey club risk to place? We’d love to discuss it.
Accepted Risks
- Clubs playing on leased or shared council/school artificial turf and multi-sport facilities
- Artificial hockey pitches (sand-filled, sand-dressed or water-based pitches)
- Goals, nets, dugouts and pitch-side equipment storage
- Clubhouse facilities shared with other sports or community users
- Buildings from 1800 onwards, owned or leased premises
Declined Risks
- Grade I listed buildings
- Pre-1800 buildings
- Total Sums Insured (TSI) exceeding £15 million any one risk location
- Semi-professional or paid-player clubs
Cover Highlights
- Material Damage (MD), also available standalone
- Business Interruption (BI), available alongside MD
- Liability cover, available alongside MD and BI
- Legal Expenses included
- Up to a Total Sum Insured (TSI) of £15 million any one risk location
- Minimum premium £1,200
How to submit a quote for Hockey Clubs
In order to obtain a new quotation, please email:
Including:
- Membership numbers across junior, senior, mixed and veterans’ sections
- Whether ground and clubhouse are owned or leased
- Claims history (last 3 to 5 years), including any injury-related liability claims
- Details of floodlighting and any recent clubhouse or pitch improvements
We aim to come back with a clear steer quickly. If it’s a fit, we’ll say so, and if we need more information, we’ll tell you exactly what.
Rugby Clubs
Rugby clubs are businesses as much as they are sports clubs. The real heartbeat of many clubs is found in their bars, clubhouses and community events, creating a unique blend of trading, property and liability exposures. Jensten actively welcomes rugby club risks because we understand the whole operation, not just the game.
Have a rugby club risk coming up for renewal? Get in touch and put it in front of an underwriter with a genuine appetite to write it.
Accepted Risks
- Clubhouse, stands and pitch infrastructure
- Licensed bar operations, including post-match hospitality and touring-team socials
- Function room hire for external parties, weddings and community events
- Grass pitches, posts, scrum machines and floodlighting
- Groundskeeping equipment and machinery
- Clubs at grassroots and amateur level
- Buildings from 1800 onwards, owned or leased premises
Declined Risks
- Grade I listed buildings
- Pre-1800 buildings
- Total Sums Insured (TSI) exceeding £15 million any one risk location
- Semi-professional or paid-player clubs
Cover Highlights
- Material Damage (MD), also available standalone
- Business Interruption (BI), available alongside MD
- Liability cover, available alongside MD and BI
- Legal Expenses included
- Up to a Total Sum Insured (TSI) of £15 million any one risk location
- Minimum premium £1,200
How to submit a quote for Rugby Clubs
In order to obtain a new quotation, please email:
Including:
- Clubhouse and bar turnover, including function hire and touring/social income
- Whether ground and clubhouse are owned or leased
- Claims history (last 3 to 5 years), including any injury-related liability claims
- Details of floodlighting and any recent clubhouse or pitch improvements
We aim to come back with a clear steer quickly. If it’s a fit, we’ll say so, and if we need more information, we’ll tell you exactly what.
Gyms
Independent gyms, fitness studios and health clubs are a key target sector for Jensten. From boutique studios and PT-led facilities to 24-hour, unattended and multi-site gym operators, we provide Commercial Combined solutions designed around the realities of the modern fitness industry. We offer flexible protection for the property, liability and business interruption exposures faced by today’s fitness operators.
Actively seeking fitness sector opportunities. Speak to the Jensten team about your next gym, studio or health club risk.
Accepted Risks
- Independent gyms including unattended and 24-hour, health clubs, fitness studios
- Boutique/franchise-affiliated sites
- Free weights, resistance and cardio equipment (owned or leased)
- Group exercise studios: spin, HIIT, yoga, reformer Pilates
- Showers, changing rooms, sauna and steam facilities
- On-site retail (supplements, kit, drinks) and vending
- Multi-site gym operators
- Buildings from 1800 onwards, owned or leased premises
Declined Risks
- Grade I listed buildings
- Pre-1800 buildings
- Total Sums Insured (TSI) exceeding £15 million any one risk location
Cover Highlights
- Material Damage (MD), also available standalone
- Business Interruption (BI), available alongside MD
- Liability cover, available alongside MD and BI
- Legal Expenses included
- Up to a Total Sum Insured (TSI) of £15 million any one risk location
- Minimum premium £1,200
How to submit a quote for Gyms
In order to obtain a new quotation, please email:
Including:
- Whether premises are owned or leased, and any landlord requirements
- Claims history (last 3 to 5 years)
- Staffing model, including any self-employed PT arrangements
We aim to come back with a clear steer quickly. If it’s a fit, we’ll say so, and if we need more information, we’ll tell you exactly what.
Athletics Clubs
Few sports clubs cover as much ground as an athletics club. From coaching future talent and hosting competitions to organising road races and cross-country events, their activities extend far beyond the track.
Athletics clubs don’t stand still, and neither do their exposures. Jensten understands the sector and has a strong appetite for well-run athletics clubs.
Have an athletics club risk to place? Let’s talk.
Accepted Risks
- Clubs using leased or council-owned track and field facilities
- Throwing and jumping disciplines (javelin, discus, shot put, hammer, long/triple jump, high jump/pole vault) and associated equipment
- Road racing, cross-country and off-track events organised or hosted by the club, including marshalling arrangements
- Committee-run/volunteer club structures
- Equipment storage (starting blocks, hurdles, timing and measuring equipment)
- Seasonal indoor/outdoor and summer/winter programme structures
- Buildings from 1800 onwards, owned or leased premises
Declined Risks
- Grade I listed buildings
- Pre-1800 buildings
- Total Sums Insured (TSI) exceeding £15 million any one risk location
- Professional or elite-level clubs
Cover Highlights
- Material Damage (MD), also available standalone
- Business Interruption (BI), available alongside MD
- Liability cover, available alongside MD and BI
- Legal Expenses included
- Up to a Total Sum Insured (TSI) of £15 million any one risk location
- Minimum premium £1,200
How to submit a quote for Athletics Clubs
In order to obtain a new quotation, please email:
Including:
- Details of facility arrangement: owned, leased or council-provided track/field
- Details of any organised road races, cross-country events or off-site competitions run by the club, including marshalling and public road use
- Claims history (last 3 to 5 years)
We aim to come back with a clear steer quickly. If it’s a fit, we’ll say so, and if we need more information, we’ll tell you exactly what.
FAQs
Can I place Material Damage only?
Yes. Material Damage is available standalone for all six sectors.
Can I add Business Interruption and Liability?
Yes. Business Interruption is available alongside Material Damage, and Liability alongside MD and BI.
Do you consider clubs on leased or shared facilities?
Yes. We’re comfortable with leased premises and, for hockey and athletics, leased or shared council and school facilities.
What’s the maximum sum insured?
Up to £15m Total Sums Insured any one risk location.
Is there a minimum premium?
Yes, £1,200.
Do you write semi-professional or professional clubs?
Not for football, hockey or rugby, where semi-professional and paid-player clubs are outside appetite. For padel and athletics, professional or elite-level clubs are outside appetite. Check the relevant appetite guide.
Put your next sports risk in front of us
Got a sports club risk to place? Send it to bespoke.quotes@jensten.co.uk and put it in front of an underwriter with a genuine appetite to write it.
Please include the sport and renewal date in your subject line. If you need to discuss the operation first, contact your usual Jensten Underwriting BDM.
Download the Commercial Combined Sports Clubs Appetite GuideFor insurance brokers. Appetite is a guide only. Cover is subject to underwriting, policy terms, conditions and exclusions.
