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Insuring Sports Events
Introduction
University sporting teams enrich student life by promoting physical activity, teamwork, inclusion, and a sense of identity within the academic community. However, alongside these benefits come significant operational, reputational, and legal risks that require coordinated and proactive management. These risks extend beyond injuries sustained in play or during travel; they encompass behaviours such as unsafe initiation ceremonies, inadequate governance, and overlooked duties in site management.
The changing landscape of student sport, informed by legal obligations, shifting cultural norms, and increased regulatory scrutiny, demand that universities and Students’ Unions adopt clear, comprehensive, and collaborative approaches to insurance and risk. This document aims to clarify who holds responsibility for sporting teams, what insurance coverage is needed, how governing bodies such as British Universities and Colleges Sport (BUCS) and National Governing Bodies (NGBs) influence risk requirements, and how wider institutional responsibilities (such as those imposed by the Occupiers’ Liability Acts) affect oversight.
Crucially, the guidance also addresses the growing concern surrounding student initiations, recognising them not merely as disciplinary or cultural issues but as safety risks with potential insurance and duty of care implications. The recommendations that follow are designed to support institutions in creating a safe, inclusive, and well-governed sporting environment that reflects both best practice and legal compliance.
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