Tailored Sports and Leisure Insurance Solutions:

Starting in 1986, Sportscover has grown from strength to strength and is now one of the largest specialist sports underwriters in the world. we specialise in providing customised insurance solutions for the sport and leisure industry.

With over 40 years of experience, we understand the unique risks faced by clubs, associations, coaches, venues, and event organisers.

We focus solely on sport and leisure, giving us the insight and expertise to deliver reliable coverage and responsive claims support. Our goal is simple… to help you stay protected so you can focus on performance, participation, and growth.

As a niche underwriter, our brokers and clients expect us to have the specialist knowledge and expertise to provide the right solution to their insurance needs.

Keeping up to date with knowledge and trends in sport and leisure and applying high professional standards have been key reasons why Sportscover has, historically, maintained a client retention rate of approximately 90%.

Our policies are designed by sports people for sports people and the business in which they operate.

So, whilst a Sportscover policy provides first class security and tailored cover resulting from our deep knowledge and understanding of sport gained over 40 years, Sportscover is more than just an underwriter.

Read more about the types of protection we offer within this page for a comprehensive list of the sectors that we service across Sport and Leisure.

We cover the following:

Participants and players
Coaches and instructors
Clubs and teams
Gyms and fitness facilities
Associations, Federations and National Governing Bodies

Get in touch today to find out how Sportscover can tailor a policy just for you or contact your Broker.

We also provide risk management advice, marketing support services and other related services to sport.

Personal Accident (PA):

Designed to protect individuals involved in sport and leisure activities, Personal Accident Insurance provides financial support in the event of accidental injury.

Whether covering amateur participants, professional athletes, or officials, this cover helps manage the financial impact of injuries sustained during training, competition, or sanctioned activities. Benefits can include compensation for medical expenses, loss of income, and lump sum payments for more serious injuries.

Our policies are tailored to reflect the physical demands and risks associated with different sports, ensuring appropriate levels of protection for participants at all levels.

Non-Medicare Medical Expenses

Helps cover eligible medical expenses following an accidental injury that are not covered by Medicare.

This benefit can assist with costs such as ambulance transport, private hospital accommodation, physiotherapy, chiropractic treatment, dental treatment (to sound teeth), rehabilitation aids, and other approved medical expenses, helping participants access the treatment they need to recover.

Capital Benefits

Provides a lump sum payment for serious accidental injuries resulting in permanent disability or death.

Depending on the level of cover selected, Capital Benefits may provide financial support for a range of permanent injuries, including the loss of sight, hearing, limbs, or other serious injuries, offering peace of mind when the unexpected occurs.

Weekly Benefits

Provides financial support if an accidental injury prevents an insured person from working or studying.

Depending on the policy selected, Weekly Benefits can help replace a portion of lost income for income earners, while also providing assistance for full-time students through home tutoring expenses or domestic home help for non-income earners during their recovery.

Other Benefits

Additional benefits designed to support recovery beyond medical treatment.

Depending on the policy selected, additional benefits may include rehabilitation assistance, injury-related travel and accommodation expenses, dependant children's assistance, home renovation benefits, funeral expenses, membership fee reimbursement, and other support to assist individuals and their families following a serious accidental injury.

Public Liability (PL):

Public Liability Insurance protects organisations against claims arising from third-party injury or property damage connected to their activities.

Essential for clubs, associations, event organisers, and sports businesses, this cover responds to incidents involving spectators, participants, or members of the public. Whether it’s an injury at a sporting venue or damage to third-party property, Public Liability Insurance helps cover legal costs and compensation claims.

Our policies are designed to reflect the unique environments in which sport operates from community facilities to large-scale events providing confidence that risks are appropriately managed.

Professional Indemnity (PI):

Professional Indemnity Insurance protects organisations and professionals against claims arising from alleged negligence, errors, omissions, or breaches of professional duty when providing advice or services.

Essential for coaches, instructors, trainers, consultants, officials, and sports professionals, this cover responds when a client or participant claims that professional advice or services have caused them financial loss or injury. It can help cover legal defence costs and compensation where the insured is found legally liable. Our policies are tailored to the unique risks faced by sporting and leisure organisations, providing confidence that those delivering professional services are appropriately protected.

Management Liability (ML):

Management Liability Insurance protects organisations and their directors, officers, committee members, and managers against claims arising from the management of the organisation.

Designed for clubs, associations, sporting organisations, and not-for-profit entities, this cover responds to a range of management-related risks including employment practices, governance decisions, regulatory investigations, and breaches of directors' duties. It can help cover legal defence costs, investigations, and certain compensation claims. Our policies recognise the governance challenges faced by sporting organisations, helping protect those responsible for making important decisions and managing day-to-day operations.

Active – The Leisure Arm of Sportscover

Active is our dedicated leisure brand, offering the same high standards and industry knowledge we’re known for in the sporting world, applied to recreation and leisure.

We specialise in liability, accident, and contingency insurance for a wide range of leisure activities and organisations. Whether you're running a local event or managing a national network of facilities, our tailored solutions are built to keep pace with industry trends and regulatory changes.

Trusted by leisure providers. Backed by Sportscover’s legacy.

To learn more about Sportscover’s suite of insurance products, contact your local Sportscover office or speak with your broker.

VISITOR ATTRACTIONS

Theme Parks
Zoos & Safari Parks
Aquaria
Cinemas
Museums

AMUSEMENTS

Arcades
Childrens Play Centre with Cafe
Mini Golf Courses
Family Fun Centres
Bingo Centres

EVENTS

Fetes & Festivals
Concerts
Fundraising Events
Corporate Days
Exhibition & Trade Shows

ADVENTURE SPORTS

Climbing Centres
Paintball Operations
White Water Rafting
Low/High Ropes Courses
Canoe/Kayak Tours

Sexual Abuse Cover

The protection of children and vulnerable adults is the responsibility of those entrusted with their care particularly in organisations whose employees or volunteers interact frequently with them.

The human, reputational and financial impacts of an allegation or act of sexual abuse can be mitigated within the first hours and days, but only if the response is handled correctly.

Total immunity from risk is impossible, however it’s important for organisations who face such risks to implement appropriate risk management and proactive crisis response services, as well as effective insurance in case of an incident.

Australian Sports Travel

Most travel insurance policies contain some exclusions for participating in certain sport and leisure activities.

As a specialist sport and leisure underwriter, Sportscover has developed a travel policy specifically designed for the needs of people traveling for sport, fitness and leisure business and activities.

Our travel policy covers trips of up to 90 days worldwide during the period of the policy and includes benefits specially designed for sport, fitness and leisure, such as medical expense cover whilst training and playing and replacement player cover.

To arrange your travel insurance, speak to your broker or contact us for more information.

Cover includes:

Medical expenses/medical evacuation;
Cancellation and curtailment expenses – including loss of deposits;
Rental vehicle excess;
Personal Accident cover – including whilst playing and training;
Luggage, money and travel documents;
Personal Liability;
Kidnap and ransom;
Hijack and detention.

Sports team holding Sportscover Sponsorship banner

Legal Expenses Insurance

Sportscover’s Legal Expenses Insurance is tailored for sport and leisure clients and specifically provides advice and cover for the legal costs of pursuing or defending certain classes of legal action.

The product is tailored for sport and leisure clients and includes the key features as outlined below.

Key features:

Commercial Contracts Dispute
Criminal Prosecution
Employment Disputes
Data Protection
Statutory Licence
Employee breach of Restrictive Covenants
ATO Tax Investigation Protection

Cyber Insurance

In this digital age, Cyber attacks are an everyday risk faced by all organisations that manage personal data, and are truly a global issue.

They can happen any time often leading disastrous outcomes not only for the people who have had their information stolen, but also for the organisation experiencing the breach from a legal, financial and reputational stand point.

As more organisations store sensitive data on digital networks, these attacks are frequent and can occur quickly without warning. However, ransomware can be avoided with the right IT security and risk management procedures.

How Attackers can access your sensitive data:

1. Initial compromise of your environment

The most common ways of gaining access to your personal online data is via phishing campaigns or through your Remote Desktop Gateway.

2. Malware is installed

The user opens the attachment and malware is unknowingly installed on the user’s PC, giving the attackers access to your sensitive data.

3. Ransomware is deployed

Attackers deploy a strain of ransomware to your network encrypting a material portion of your estate, completely or partially disrupting parts of your business.

4. Extortion

Attackers demand money for the encryption key. Business reputation is damaged and potential fines incurred if mishandling of customers data is determined.

It is imperative that if a breach occurs, you have measures in place for immediate action to be taken. To combat this growing risk, Sportscover in conjunction with Beazley have launched Cyber Breach Response (CBR).

CBR is the industry leading solution for data privacy and security risk management

Providing a range of services, CBR is designed to help your organisation at every stage of the investigation and response to an actual or suspected data breach incident effectively, efficiently, and in compliance with the law. These services include…

Legal Services
Computer Forensic Services
Notification and Call Centre Services
Breach Resolution and Mitigation Services
PR and Crisis Management Services

CBR also provides a Risk Management Portal with tools and services designed for risk awareness and reducing the risk of a breach from ever occurring.

Watch the short video below about how Sportscover’s CBR can provide you with comprehensive protection from Cyber attacks.

You can also read more about Sportscover’s CBR here.

The CBR Process:

If you believe that you have experienced a breach of personal data, do not wait. It is critical that you act immediately to minimise the potential risk to both you and anyone impacted.

A single call to the Beazley Response Team of a suspected data breach will begin immediate activation of the above services.

The following short video provides an overview of the CBR investigation and response process from the moment a potential data breach is identified within an organisation.

How to Lodge a Claim:

You will need to complete a Cyber Breach Notification Form via Beazley, providing as much information as you can about how your data may have been compromised.

You can also contact the Beazley Response Team direct via…

PHONE: 1800 984 283 (Australia)
e-Mail: BBRAustralia@beazley.com

For more information about what to do in the event of a potential cyber attack or breach, watch the video here.

Contingency Insurance

What would the financial consequences be if your event was cancelled?

Have you ever thought about adding something special to your event or promotion with a game of skill or chance with a prize on offer?

At Sportscover, we provide Contingency insurance solutions specifically tailored to protect your financial interests should the unexpected become a reality.

To learn more about Sportscover’s Contingency offering, contact your local Sportscover office or speak with your broker.

We offer a range of Contingency products such as:

Cancellation and Abandonment including additional cover for Adverse Weather and Terrorism for sporting events, concerts, trade shows, conferences and more;
Non-appearance of a performer or key note speaker;
Prize Indemnity; and
Golf Hole in One.

So why Sportscover?

40 years + Contingency underwriting experience;
Local underwriting presence;
First class security; and
Friendly and approachable staff.

Sportscover banner at a Football event. Kick for Cash.