What Insurance Do Cricket Clubs Actually Need?
Running a cricket club today involves far more than matchdays and nets. From junior sections and volunteers, to clubhouses, social events and grounds maintenance, cricket clubs can face a wide range of risks that standard insurance policies may not fully address properly. At Brown & Brown, we can arrange an ExtraCover Cricket Scheme, designed to reflect how cricket clubs operate in practice, helping to protect clubs, committees, players and facilities throughout the season.
Why might cricket clubs need specialist insurance?
Cricket clubs can be unique environments. They typically combine sporting activity, public access, volunteer involvement and often licensed premises, all within one organisation.
According to guidance from the England & Wales Cricket Board (ECB), clubs are expected to hold appropriate insurance to protect against liabilities arising from playing, training, social and commercial activities. While ECB‑registered clubs may benefit from central liability arrangements, this does not typically cover buildings, equipment, business interruption or all activities a club may undertake.
Specialist cricket insurance can help fill those gaps and can provide broader protection beyond the basics.
So, what core insurance elements should every cricket club consider?
Public liability insurance is an important aspect for cricket clubs andcan help protect the club if a third party suffers injury or property damage as a result of club activities, including:
- Spectators struck by cricket balls
- Injuries to visitors, volunteers or guests
- Property damage caused by balls leaving the ground
- Slips, trips and falls in pavilions, car parks or walkways
- Incidents during matches, training sessions or club events
This is a Legal Requirement
If your cricket club employs anyone, including grounds staff, bar staff, paid coaches or caretakers, then Employers’ Liability insurance is a legal requirement in the UK. This cover can protect the club against claims arising from injury or illness suffered by employees or volunteers while carrying out their duties.
Some cricket clubs own or are responsible for pavilions and clubhouses, which are often the heart of the club and with Specialist insurance cover can include protection against:
- Fire, flood and storm damage
- Theft and vandalism
- Accidental damage
- Rebuild costs reflecting modern construction prices
- Fixtures, fittings and contents
This can be particularly important where clubhouses are used year‑round for social events, functions or bar trade.
Cricket clubs rely on specialist equipment that can be expensive to repair or replace, including, Pitch rollers, mowers and grounds machinery, practice nets and covers, sight screens and scoreboards, training and match equipment. Cover can be arranged for equipment on site, in storage or in transit, helping clubs reduce the risk of unexpected financial strain.
Personal accident cover can help provide financial support if a player, coach or official is injured while participating in club activities. This can include lump‑sum payments or weekly benefits following serious injury and is often valued by clubs with junior sections, volunteers and unpaid officials.
Depending on how your club operates, you may also want to consider:
- Bar and licensed premises insurance
- Business interruption cover if the club cannot operate following a loss
- Professional Indemnity for coaching activities
- Cyber insurance where clubs hold member data and payment details
- Event cover for fundraising days, tournaments or social events
ExtraCover: specialist cricket insurance arranged by Brown & Brown
The ExtraCover Cricket Scheme, which is underwritten by Covéa Insurance, has been developed specifically for cricket clubs, from grassroots and village clubs through to league and semi‑professional organisations.
Rather than a one‑size‑fits‑all policy, ExtraCover allows cover to be tailored around:
The size and structure of your club
Volunteer involvement
The size and structure of your club
Facilities owned or operated
Social and commercial use of premises
Our specialist team understands the realities of running a cricket club and works closely with insurers so cover better reflects the risks you may face. As with all insurance policies, the scope of cover varies between policies and may include exclusions, we will provide clear explanations of any that apply.
Why work with Brown & Brown?
- Specialist sports and cricket expertise
- A dedicated scheme backed by Covéa, a well-established UK insurer
- Support from people who understand cricket club operations
- Clear, practical advice
Our role is to help clubs understand what insurance they actually need, and to avoid unnecessary cover.
Speak to our cricket insurance specialists
Whether you’re reviewing your existing arrangements or setting up cover for the first time, our team is here to help. Talk to Brown & Brown about ExtraCover, our specialist cricket insurance policy.
Click here to learn more about specialist cover for renovations and building works