Children's and youth club insurance

Specialist cover for children's and youth clubs from as little as £6 a month

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Our insurance for children’s and youth clubs offers specialist cover against a multitude of risks facing children’s playgroups, after school clubs and youth clubs.

With over 25 years experience insuring not for profit organisations, we have an unrivalled reputation for expertise in the third sector.

Youth clubs face a wide range of risks, even if they aren’t immediately obvious. A club attendee injuring themselves during an activity, theft of the club's belongings or an allegation of wrongdoing against one of the club’s trustees could have a severe financial impact on your children’s or youth club. Few clubs have the financial resource to be able to defend a claim against such scenarios.

Our youth club insurance can provide cover against these risks and more. Insuring your club with Markel will give you the peace of mind that if something doesn’t quite go to plan, you will be covered.

We’ll take the time to understand the activities your youth club undertakes and explain the cover options available to you in plain English. Premiums start at just £6 a month - get a quote now or call us on 0800 640 6604!

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Cover starting at just £6 a month

Build a comprehensive youth club insurance policy with these covers

  • Public and product liability insurance and employer's liability insurance

    To ensure comprehensive protection against claims, we group our public liability insurance and employers' liability insurance together.

    Public liability insurance covers the cost of defending your club or group if someone is injured, or their property damaged, due to your negligence. Without cover in place, the legal fees alone could cost your group thousands of pounds. Cover for £5m.

    Employers' liability insurance is a legal requirement if you employ staff or volunteers. It covers against allegations of injury or illness suffered by staff during their employment. If your club or group has employees on a full time, part time or volunteer basis, this cover is essential. Cover for £10m.

  • Trustee indemnity insurance and professional indemnity insurance

    Trustee indemnity insurance covers the legal costs and expenses of defending against disqualification as a trustee, investigations or extradition proceedings, protecting the trustee’s personal wealth. If your club or group has trustees, you should give serious consideration to trustee indemnity insurance. Cover from £250k to £1m.

    Professional indemnity insurance covers the cost of defending your club against allegations of professional negligence, such as giving poor or incorrect advice to a user of your services.

    Entity Defence covers your charity against identity fraud, investigations (other than by HM Revenue & Customs), corporate manslaughter and breach of contract. Entity defence is provided in your policy at no additional cost when trustee indemnity insurance and professional indemnity insurance are included in your policy. Cover for £25,000.

  • Property damage insurance

    Property damage insurance covers your buildings, general contents (including stock), computer equipment, tenant improvements and glass (for which you are responsible) against accidental damage (including theft) whilst on your charity's premises. You can also choose to insure your youth club's equipment (such as laptops and mobile phones) on a worldwide basis, and insure against additional trading expenses following an interruption (for example, a flood that means your club or group has to operate from another premises).

  • Legal representation and employment disputes insurance

    Legal representation and employment disputes protects your group against employment disputes, official investigations and other serious matters, including crisis management, identity fraud, official investigations (excluding HMRC), corporate manslaughter, pollution and data protection issues. Cover for £100,000.

  • Money and personal assault

    Money and personal assault covers loss of money for fixed limits up to a maximum of £250,000 for non-negotiable money (e.g. crossed cheques) and £2,500 for negotiable money depending on the nature of the loss. In addition to this if you, or members of your family, or employees, or members of their family, are injured during a robbery or attempted robbery, we will pay you either £5,000 or £50 per week for 104 weeks (depending on the nature of the injury).

  • Cyber and data risks insurance

    Cyber and data risks insurance protects your group in the event of a targeted cyber attack. It pays the costs of restoring data and equipment, informing clients, meeting ransom demands and loss of your net profit. It also pays your legal defence costs and damages you are legally liable to pay to other parties. Cover from £50k to £250k.

  • Fidelity insurance

    Fidelity insurance protects your group against dishonesty or fraud by volunteers or employees. This could be, for example, if the volunteer who handles your accounts was found to have stolen money from the group’s funds for their own personal benefit. Cover for £50k.

  • Occupational personal accident insurance

    Occupational personal accident insurance helps your group’s volunteers and employees if they are accidentally injured in the course of your activities. It pays a weekly amount for temporary total disablement, or a lump sum if they suffer loss of limbs, sight, speech, hearing, permanent total disablement or death. Limits from £100 per week/£25k lump sum to £500/week/£100k lump sum.

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Third Sector Awards headline sponsor Carers Trust are our supported charity
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Cover starting at just £6 a month

Frequently asked questions

  • We're not a registered charity - can you insure us?

    Yes. Many of our clients are small charities or community organisations that are just starting up or are too small to be a registered charity.

  • Does the policy cover volunteers?

    Yes - the employer's liability and public liability section of the policy provides cover for your volunteers. As long as you purchase this section of cover from us, your volunteers will be covered.

  • Does the public liability section cover events?

    Yes - the public liability section of the policy provides cover for charity events (such as fundraising) for up to 500 attendees.

  • We don't have a regular meeting place - can you insure us?

    Yes. We cover hundreds of small charities, community groups and clubs that don't have a regular meeting place and instead rotate between different venues, such as members' homes, village halls and community centres.

  • Why should I insure with Markel?

    Established over 25 years ago, we've gained an unrivalled understanding of the risks facing small charities and community groups, and our policies are specially designed to protect you.

    We're regulated by the Financial Conduct Authority and Prudential Regulation Authority, and you can view our details on the Financial Services Register. We're a division of Markel International, a Lloyd's and London market insurer that wrote gross premiums of £800m ($1.2 billion) in 2015.

    We actively support the third sector. Since 2008, we have donated more than £150,000 to our supported charity, Carers Trust, and have supported numerous charity awards including the Third Sector Excellence Awards and Britain's Best Volunteer in partnership with Small Charities Coalition.

    Still not sure? Call us on 0800 640 6604 - one of our insurance experts will be more than happy to answer any questions you have and talk you through the insurance we offer so you can choose the right cover for your charity or group. Alternatively, get a quote now and call us later if anything needs clarifying.

How much cover should I choose for my youth club?

It is important to choose a limit that will not leave you underinsured in the event of a claim; consider the size of your organisation and the potential impact a claim could have on it. You may find that councils and village halls require your club to have a certain limit in place in order to use their facilities, so be sure to check before you arrange cover.

Our youth club insurance can be tailored to provide as little or as much cover as you need, so you are guaranteed to find the right cover, regardless of the size of your club.

Get a quote now or call us on 0800 640 6604 to insure your youth club with an expert.

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Cover starting at just £6 a month

Our support of the community and charity sector

As a specialist insurer of for small charities and community groups, we are only too aware of the importance of these organisations and we support the sector in a number of ways.

Britain's Best Volunteer award

Britain's Best Volunteer award, run in partnership with Small Charities Coalition, celebrates the achievements of those who volunteer their time to help small charities, local community groups and not-for-profit organisations.

The winner receives a donation of £1,250 to their charity, while each runner-up finalist receives a £250 donation, as well as generating valuable awareness for small groups that may otherwise struggle to be heard above other, larger charities.

Carers Trust - our supported charity

Carers Trust work to improve support, services and recognition for anyone living with the challenges of caring, unpaid, for a family member or friend who is ill, frail, disabled or has mental health or addiction problems. Carers don’t choose to become carers: it just happens and they have to get on with it. Since 2008, we've raised over £150,000 for this deserving cause through cake sales, dress down days, sponsorship and challenges. In addition, each Christmas we donate around 100 hand-wrapped gifts to our local carers centre to give to isolated carers that are unable to travel far from home.

Carers Trust Christmas gifts

Third Sector Awards - headline sponsor

The Third Sector Awards recognise those who give back to the community and celebrates organisations and leaders from across the charity sector. As headline sponsors, we are proud to support the awards and the opportunity it gives charities to raise their profile and increase valuable awareness of their cause.

Third Sector Awards - headline sponsor
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Cover starting at just £6 a month