Sports, Leisure & Entertainment
Bespoke Cover for Active, High-Risk and Entertainment Sectors
The sports, leisure, and entertainment industries are exciting, however, they also bring unique risks that standard insurance markets often find difficult to accommodate. At Commercial Risks (UK) Ltd, we specialise in providing tailored cover for businesses and operators within this dynamic sector, ensuring the right protection for events, activities, staff, and participants, even when risks are complex or high-profile.
Our placement capabilities at Lloyd’s and specialist markets allow us to deliver insurance solutions for everything from adventure parks to entertainment venues and large-scale events.
Who We Cover
We arrange specialist cover for a broad range of leisure, sports, and entertainment risks, including:
Sports & Adventure Activities
- Climbing walls, abseiling, zip lines, and ropes courses
- Karting tracks, quad biking, and motorised sports
- Paintball, laser tag, archery, and airsoft arenas
- Skiing, snowboarding, and other seasonal sports facilities
- Watersports: kayaking, canoeing, windsurfing, paddle boarding
Leisure Venues & Attractions
- Amusement parks, funfairs, and waterparks
- Indoor and outdoor play centres
- Adventure golf, trampoline parks, and skate parks
- Gyms, health clubs, and fitness facilities
- Bowling alleys, ice rinks, and roller-skating rinks
Events & Entertainment
- Music festivals, concerts, and live events
- Theatres, cinemas, and cultural venues
- Corporate events, exhibitions, and trade shows
- Temporary or mobile entertainment units
Hospitality & Licensed Premises
- Nightclubs, pubs, and bars with entertainment
- Multi-venue leisure complexes
- Hotels, resorts, and mixed leisure/residential properties
What We Cover
Our solutions typically include:
Public & Employers’ Liability
- High-limit liability cover for participant and spectator risks
- Injury claims, including hazardous or high-risk activities
- Employers’ liability for casual, seasonal, or volunteer staff
Property & Business Interruption
- Buildings, fixtures, contents, and equipment
- Specialist equipment cover for attractions or rides
- Business interruption due to mechanical breakdown or event cancellation
Participant & Member Protection
- Group personal accident and injury protection
- Cover for clubs, teams, and sporting associations
Event Cancellation & Non-Appearance
- Financial protection if an event cannot proceed
- Coverage for headline acts, performers, or weather-related disruptions
Specialist Covers
- Abuse, molestation, or safeguarding risks (where required)
- Cyber liability for online ticketing and data handling
- Professional indemnity for coaching or training activities
Our Expertise in Late Licence Insurance
In addition to our broader leisure and entertainment placement services, Commercial Risks (UK) Ltd is recognised as a leader in the placement of Late Licence Insurance. A highly specialised area that requires in-depth understanding of nightlife, security, alcohol licensing, and venue operations.
We have successfully arranged cover for:
- Nightclubs and live music venues with trading hours beyond midnight
- Bars, lounges, and function spaces operating under Temporary Event Notices (TENs)
- Hybrid venues combining activity centres with licensed hospitality (e.g. trampoline bars, karting with beer halls)
- Venues with prior licensing challenges or enforcement actions
- Businesses with previous injury claims, crowd control exposures, or noise complaints
Our policies are designed to cover the core liabilities and regulatory exposures unique to the late-night sector, including:
- Assault and affray
- Door supervisor and security staff risk
- Malicious damage by patrons
- Reputational damage and licence suspension or revocation
Where standard markets hesitate, we work with underwriters at Lloyd’s and other specialist carriers to structure:
- Combined property and liability packages
- Loss of Licence extensions
- Custom wordings that reflect the venue's real risk profile and controls
This specialist focus has made us the trusted partner for brokers and operators seeking consistent, fair, and knowledgeable underwriting in this complex area of the leisure sector.
Why Choose Commercial Risks?
- Specialist Knowledge: We understand the unique exposures of sports, leisure, and entertainment.
- Access to Lloyd’s: We secure cover through underwriters who accept and understand non-standard risks.
- Tailored Programmes: Every policy is designed around your activities and risk management approach.
- Proactive Support: We help with risk presentation and safety guidance to ensure market acceptance.
Let’s Talk
If your leisure or entertainment risk has been declined elsewhere or requires a bespoke solution, we can help.
Call us: 020 7702 2103
Email us: info@commercialrisks.co.uk