Insurance for holiday and after-school clubs.
Clubs often run a mix of activities with a team of staff and volunteers. ICAP tiers scale with your revenue, and higher tiers include Employers' Liability for the people working under your supervision.
Employers' Liability
Employers' Liability helps protect against claims from employees, helpers or volunteers working under your supervision. It may be required depending on your business structure.
Public Liability
Public Liability helps protect your business against claims arising from accidental injury to third parties or accidental damage to third-party property while carrying out your insured activities. Choose £5m or £10m.
Professional Indemnity
Professional Indemnity helps protect against claims alleging negligence or breach of professional duty while delivering your insured activities, up to £250,000.
Equipment Cover
Insured equipment is covered against accidental loss, theft or damage — up to £2,000 in total and £1,000 any one item, with a £250 excess. UK cover only.
Approved activities include
- Sports coaching
- Arts and crafts
- Dance, drama and music
- Forest learning and children's bushcraft skills
- Educational workshops, learning and language lessons
- Children's cooking classes
Frequently asked questions
Do I need Employers' Liability if I use volunteers?
It may be required depending on your business structure and who works under your supervision, including helpers and volunteers.
Are all club activities covered?
Cover applies to approved activities. Some, such as inflatables, trampolines, water sports other than swimming lessons, and the use of blades, fires or power tools in bushcraft, are excluded.
Can I choose £5m or £10m Public Liability?
Yes. Every ICAP membership tier is available with £5m Public Liability as standard, or upgraded to £10m. Many venues and schools ask for a specific level, so check your hire agreement.
Is VAT included in the price?
Headline prices are shown before VAT, which is added at checkout.
How quickly can I get a quote?
Our quote tool recommends a tier based on your annual revenue in seconds. You can then join online and pay monthly or annually.