We work with Sportsguard insurers to ensure that the policies that we provide to our members are the most comprehensive worded policies available to amateur football clubs.


Our specialist Football Liability Insurance Scheme is designed to provide essential cover for all our affiliated member clubs, leagues and referees. By arranging cover as a block insurance scheme it means that premiums are more affordable to clubs and leagues at the lower levels of the game. Cover is obtained via affiliation to the County FA. 

Public Liability Cover

All members opt into the mandatory COUNTY COVER scheme at point of affiliation. The mandatory scheme provides Public Liability Insurance. A club / league can be held legally liable if it is proven that it was negligent or failed to take ‘reasonable care’ to prevent injury to a member of the Public or members of the club/league or damage to third party property. Public Liability Insurance is designed to pay compensation and legal costs that arise if the club / league or any of its members are found to be at fault. This cover is not to be confused with Personal Accident Insurance.

All affiliated clubs will be provided with a cover note detailing the elements of the scheme and will have access to on online support page linked directly to the Sportsguard Insurers.

Principal Exclusions

a)  Malicious or Criminal Acts.
b) Use of any mechanically propelled vehicle, aircraft, hovercraft or water-borne craft.
c) Product Guarantee.
d) In connection with damage to any data.
e) Medical malpractice.
f) Property in charge of or control of the insured.
g) Pollution or Contamination unless caused by a sudden identifiable unexpected incident.
h) Injury to Employers.
i) Sale of Securities or any shares of a Private Company or Corporation.
j)  Loss arising from hazardous properties of radioactive or nuclear material.
k)  Player-to-Player Liability Excluded (Playing Risk Exclusion)
l) Bouncy Castles, Inflatable's, Hazardous Pursuits, Fireworks.

Personal Accident Insurance

As a member of West Riding FA, you are subject to the ruling that clubs must insure their players against injury when playing for their club.

The National Game Board has approved the introduction of mandatory personal accident insurance for all age groups and formats of youth football from the start of season 2017/18. This requirement will be covered by Rule 22 in the Standard Code of Rules for Youth.

The National Game Board also gave their approval for the Football Association to set the minimum levels of benefit cover which are mandatory and to highlight the levels of cover that are highly recommended. The mandatory levels of cover must form part of the personal accident cover purchased by clubs as part of the affiliation process. 

Mandatory Levels of Benefit Cover (Youth)

Life Cover  £10,000
Accidental Death £10,000
Permanent Total Disablement £100,000
Loss of One or More Limbs £100,000
Loss of Sight in One or Both Eyes  £100,000
Loss of Speech £100,000
Loss of Hearing in One Ear  £25,000
Loss of Hearing in Both Ears £100,000
Loss of Internal Organs £25,000
Tetraplegia/Quadriplegia £100,000 
Triplegia/Paraplegia £50,000
Concussion £10,000
Temporary Total Disablement £200 per month
Home Help Benefit £200 per month
Broken Bones £75 - £200
Primary Dislocation £250
Snapped/Ruptured Achilles Tendon £250
Snapped/Ruptured Anterior Cruciate Ligament £250
Coma Benefit £30 per day

For More Information, please email info@westridingfa.com or call 0113 282 1222.