Insurance comes from two places: the club’s affiliation with Badminton England, and each player’s own Badminton England membership.
Club cover
Our affiliation includes liability insurance for the club and its committee, arranged by Howden on behalf of Badminton England. For the 2025-26 policy year it covers:
| Cover | Limit |
|---|---|
| Public and products liability | £10m, plus £5m excess |
| Professional indemnity | £5m |
| Abuse | £2.5m |
| Employers’ liability | £10m |
| Management liability | £5m |
This protects the club if it is held responsible for injury to someone or damage to their property. It does not cover players themselves.
Individual cover
To be insured, players need their own Badminton England membership. It is optional for club nights, but required to play in the league. Membership runs until 31 October each year.
Community
The basic membership. It includes liability insurance (public, products and professional indemnity), which covers you if you injure someone or damage their property while playing. It does not cover your own injuries.
Compete
Adds cover for your own injuries and kit. For the 2025-26 policy year:
| Cover | Limit |
|---|---|
| Public and products liability | £10m, plus £5m excess |
| Professional indemnity | £5m |
| Medical expenses | Up to £25,000 |
| Physiotherapy | Up to £500 |
| Dental and optical expenses | Up to £2,500 |
| Broken bones | £250 to £500 |
| Hospitalisation | £50 a day, up to £750 |
| Temporary total disablement | £50 a week, up to 104 weeks |
| Permanent total disablement | £50,000 |
| Death | £10,000 |
| Equipment (rackets, bags etc.) | Up to £200, £50 excess |
Personal accident cover applies while playing, training or competing anywhere in the world, including travel to and from it in the UK. Compete members also get a 24/7 counselling service through Aviva.
Taster sessions
Newcomers are insured for up to six taster sessions before they need their own Badminton England membership. This is liability cover for the newcomer, given through the club’s affiliation; it does not cover their own injuries.
It only applies if the club records each newcomer’s name, address and dates of attendance. The Racket, our members app, takes care of this: the address from their profile, and the dates from the games they play. From their sixth visit they must be members, or the cover may be invalidated.
Policies
These links may be out of date. Refer to Badminton England for the current policies.
- Club, county and league liability cover, 2025-26 (Howden)
- Compete member summary of cover, 2025-26 (Howden)
- Community member policy documents are under “Insurance Documents” in your Badminton England membership account
- Membership FAQs, including taster sessions (Badminton England)
- Club affiliation (Badminton England)
- Badminton England insurance and claims (Howden)