Player and Club Insurance

Modified on Thu, 16 Feb 2023 at 12:19 PM

All grassroots clubs must have Public Liability Insurance cover of at least 10 million pounds. Clubs must provide evidence of compliant cover in the form of a cover note as part of their affiliation application. Insurance can be purchased from the association by clubs via the Whole Game System during the affiliation at a cost of £17 per club (updated seasonally). 

All clubs must insure their players against injury when playing for their club. Open Age Teams (19yrs+) must purchase Personal Accident Insurance cover that offers a minimum of £30 per week. Youth Teams (U7 - U8) must insure their players in line with the mandatory requirements as set out by the Football Association. Clubs are able to purchase PA insurance from the association annually.  

All Amateur clubs affiliated to the West Riding County Football Associations Ltd [West Riding FA] are covered under the West Riding FA Public Liability Scheme with the majority of clubs also members of the West Riding FA Personal Accident Scheme. Both schemes are provided by Sportsguard ( and meet the mandatory requirements as prescribed by the Football Association. The policy is strictly for amateur clubs and DOES NOT cover contracted players or players paid over 'out of pocket' expenses.


‘Player to Player’ cover is a term used to define a situation where a claim arises from one player injuring another whilst participating in a game or training. Player to Player Liability is NOT available to purchase in the UK anymore as the risk is far too high and the premium fees would be cost-prohibitive for grassroots clubs. The West Riding FA Policy, therefore, excludes Player to Player Liability; however, it does include £200,000 legal defense costs to defend a case. 


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