£219
Insurance for Social Clubs, Working Men’s Clubs and Community Groups
- Customers typically save 35%* with us.
- Quotes from a panel of A-rated insurers. We'll search the market for you.
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Smei: Why Choose Us
We understand that social clubs come in all shapes and sizes. Running a working men’s club, social club, or community venue comes with many risks and challenges — from ensuring the safety of your staff and members to managing your stock and suppliers.
We cover a wide range of clubs including working men’s clubs, social clubs, conservative and liberal clubs, Royal British Legion branches, charities, and community centres, as well as clubs, societies, and associations.
Smei is passionate about supporting the UK’s social club and pub community. That’s why we make sure your club is protected against risks so you can focus on running your club and serving your members.
As a broker, we have access to flexible insurance quotes and policies from a selection of UK insurers. This means you can choose the types of cover you need to protect your club. We can help arrange a comprehensive insurance policy tailored to the risks your club faces.
Whether you run a traditional working men’s club, a community group or association, or a lively social club, we can arrange a bespoke insurance policy to suit your needs.
Speak to our team of experts in social club insurance for a free, no-obligation quote.
You Could Save Over 35%*
Contact our team to receive a no obligation, instant quote today.
List of Covers and Features
Standard**
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Up to £2 million public liability.
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Up to £5 million product liability.
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Professional liability.
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Employers liability insurance.
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Contents insurance.
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Flexible payment options including direct debit.
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Access to a 24-hour legal helpline.
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Access to documents anytime, anywhere via our secure portal.
Optional**
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Increased public liability up to £10 million.
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Buildings and contents cover.
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Business interruption.
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Glass cover.
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Goods in transit.
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Legal expenses.
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Loss of rent receivable.
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Money in safe.
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Money on premises.
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Tenants improvements.
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Terrorism.
Premiums from as little as
In the past 12 months our customers have paid as little as £219 annuallyfor social club insurance. That’s just £4 per week!
50% of our social club insurance customers paid less than £1,576 annually.***
* Please click here to view our pricing disclaimer.
** Standard and optional cover may differ dependent upon insurer.
*** Data compared from 51 policies sold between November 2024 to October 2025. 10 customers paid £219 or less, which represents 20%. £4 per week is based on the annual premium divided by 52 weeks. However, paying monthly is usually more expensive as you'll pay interest. Amounts are rounded up or down to the nearest £1.
You Could Save Over 35%*
Contact our team to receive a no obligation, instant quote today.
Frequently Asked Questions
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Some types of insurance may be a legal requirement for social clubs. Others might not be compulsory, but not having the right insurance for your club could be a false economy. For example, if you don’t have the necessary protection in place and an incident occurs, your club could be liable to pay costs or compensation. It makes sense to match your insurance cover to your club’s specific needs. This provides peace of mind that a claim won’t have a damaging impact on your club should the worst happen.
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The cost of your insurance policy depends on your club’s individual needs. Our flexible policies can be tailored to fit your requirements and budget. Multiple options may be available from our panel of insurers – each with different features and prices. We’ll find you several options, so you have all the information you need before deciding on the best cover for your club.
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Social clubs often provide more than just a meeting place. You may host events, parties, community activities, or even have facilities like function rooms or guest accommodation. Whatever your club’s requirements, speak to one of our insurance specialists and we’ll arrange an appropriate policy for your club. In particular, you should consider business interruption cover to protect against unexpected loss of income. If your club owns its building, buildings insurance will cover the cost of rebuilding your premises should an incident occur that is covered under your policy.
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To operate a social club, you may need specific licences such as a premises licence and a personal licence, depending on the activities you run and whether you serve alcohol. You must meet certain criteria to obtain these licences. For detailed guidance, please refer to official licensing authorities or specialist advice.
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Typically, the club’s committee, trustees, or management team are responsible for ensuring that insurance policies are appropriate and kept up to date. This is important to clarify when discussing your insurance needs with a broker.
You Could Save Over 35%*
Contact our team to receive a no obligation, instant quote today.
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