An insurance a sports-facility operator must take out under the Installation and Use of Sports Facilities Act. It covers liability for bodily and property loss from user accidents at gyms, football pitches, golf courses, swimming pools and the like.
N2N Insurance Brokerage does not represent any single insurer — it independently represents the client as an FSS-registered broker (Reg. No. 2026-012201). We compare the wordings, rates and service of AIG · Chubb · DB · Hyundai · KB · Meritz to propose the cover and price best suited to your risk. Each insurer's full wording is provided at application and binding.
Sports facility operator liability insurance, under the Installation and Use of Sports Facilities Act, compensates loss where an operator incurs legal liability to a third party (user) through professional negligence at a sports facility it owns or manages.
Operators that have filed a sports-facility business report — gyms, yoga, Pilates, pools, golf ranges, golf courses, football pitches, tennis courts — are subject to mandatory or recommended cover, with the rating basis varying by facility area and number of users.
Cover under the Installation and Use of Sports Facilities Act.
User injury from defects in fitness equipment, grounds or fixtures.
Covers user treatment costs without proving facility fault.
Underwriting assessment of risk by sport — fitness, golf, swimming, football, tennis.
Reported indoor exercise facilities.
Full golf courses and indoor/outdoor ranges.
Pools and water-based sports facilities.
Football pitches, tennis courts, gymnasiums, etc.
| Limit | Bodily KRW 100m / property KRW 10m |
|---|---|
| Key endorsements | Auto-equipment + on-site medical + trainer-liability extension |
| Limit | Bodily KRW 500m / property KRW 50m |
|---|---|
| Key endorsements | Stray-ball loss + on-site medical |
| Limit | Bodily KRW 500m / property KRW 10m |
|---|---|
| Key endorsements | Drowning + on-site medical + instructor extension |
※ The above are general design examples; actual premium and limits may differ according to the risk profile of the business, past claims history and the insurer's assessment. An exact quote is tailored on request.
A case where, during exercise on automated gym equipment, the ankle restraint loosened, the user struck their head on the floor and suffered an L1 compression fracture. With no safety mat installed and trainer numbers below the statutory minimum, the facility undertook to compensate the treatment.
A case where, during a slide tackle in a summer football match, friction with overheated artificial turf caused a third-degree thigh burn. Responsibility for managing and operating the turf was partly recognised. (Source: Sports Facility Notice, 2017 case)
A case where a cyclist on a road near a football pitch was badly hurt, hitting their head as the bike fell when a kicked ball came over onto the road. The pitch's liability for not installing a safety fence was recognised.
※ The above are generalised examples of industry claims; actual cover outcomes may differ according to the wording and application terms.
| Policy period | 1 year, renewable |
|---|---|
| Payment | Single (annual) payment |
| Insurers | DB · KB · Meritz · Hyundai |
| Channel | Individual consultation with our broker (010-5755-6465) |
| Turnaround | 1–2 business days |
If the insured event has already occurred at the time the contract is made, the contract is void. However, where the contract is void due to the company's intent or negligence, or where the company knew or could have known of the nullity before acceptance yet did not refund the premium, the company refunds the premium with interest at the policy-loan rate published by the Korea Insurance Development Institute, compounded annually, for the period from the day after payment to the day of refund.
The specific losses not covered (exclusions) are set out in each insurer's policy wording and product description; the main exclusions are summarised on this page. For other cover-specific grounds on which claims are not paid, please refer to the policy wording.
The company provides cover, in accordance with the policy, from the time it accepts the application and receives the first premium. Where the company accepts the application after receiving the first premium with it, cover also begins from the time the first premium was received.
The application must be completed by the policyholder, and the policyholder and the insured must sign it by hand. Failure to sign by hand may result in disadvantages regarding the validity of the contract. On an internet cyber-mall, an electronic signature may be used instead.
The policyholder has the right to be given and have explained the information needed about the product they wish to buy.
The insurer and N2N Insurance Brokerage must explain the important matters of the product to ordinary financial consumers.
When applying, the policyholder, the insured or their agent must disclose truthfully the facts they know regarding the questions in the application (including the questionnaire). Otherwise the claim may be declined or the contract cancelled. Where insurance is taken out by telephone or other means of communication, the duty is performed by answering the seller's questions, which are recorded, without a separate written questionnaire, so answers must be given with particular care.
If, after the contract is made, any of the following arises in respect of the subject-matter insured, the policyholder or the insured must notify the company in writing without delay and obtain endorsement on the policy.
The surrender value is the amount paid if the contract is cancelled early. Unlike bank savings, insurance combines risk protection and savings: part of the premium is paid out as claims to other policyholders who suffer accidents, and part covers the insurer's operating expenses, so the surrender value on early cancellation may be less than the premiums paid, or nil.
Except as provided by law, the insurer and N2N Insurance Brokerage do not collect, use, inspect or provide personal data related to this contract — for its conclusion, maintenance and claim payment — without the consent of the policyholder, the insured or the beneficiary. However, for those purposes the insurer may, with the consent of the policyholder and the insured and in accordance with law, provide personal data to other insurers and insurance-related bodies.
The above is a summary and excerpt of the policy wording; for grounds on which claims are not paid and other details, please refer to the policy wording and product description.
Common situations in sports-facility operation — a five-scenario self-check
As users handle gym and exercise equipment directly, injuries can arise from defects, ageing or inexperience.
Operators that have filed a sports-facility report are subject to mandatory or recommended liability insurance for user accidents.
Pools and aqua centres carry high risk of drowning and slips, and broad user-safety responsibility is recognised.
Golf-specific risks such as stray shots and bay accidents call for a sport-by-sport risk assessment before designing cover.
Outdoor facilities such as football pitches and tennis courts must also consider the risk of accidents to nearby third parties from stray balls or fixtures.
When a user is hurt at a sports facility, the facility tends to see it as “the user over-exerting,” but a court also examines whether the facility met its management duties — equipment inspection, safety mats, sport-specific safety staffing. Where facility or management problems compound the accident — a defective equipment restraint, overheated artificial turf, a stray ball from a fenceless ground — it is not unusual for the operator's liability to be partly recognised even with user carelessness. Sports facility operator liability insurance covers the legal liability for bodily and property loss caused to users through professional negligence at a facility the operator owns or manages.
Source: (standard insurance-textbook scenario)
The wording and structure points decision-makers most often overlook
Fitness, golf, swimming and ball sports differ greatly in accident pattern and risk. Risk assessment and cover scope must be designed to the sports you operate.
Accidents from a user's own carelessness may not establish the facility's legal liability, and no-fault on-site medical-cost cover supplements this within a set limit.
Facility operations can harm third parties on nearby roads or neighbours, as with a ball leaving a football pitch. Check whether risk beyond the facility boundary is within cover.
The questions asked most when considering sports facility operator liability insurance
Under the Installation and Use of Sports Facilities Act, operators that have filed a sports-facility report are subject to mandatory or recommended insurance for user accidents. The criteria differ by sport and facility, so check against the relevant law.
An accident from the user's own carelessness may not establish the facility's legal liability. However, with no-fault on-site medical-cost cover, treatment costs for incidents within the facility can be covered up to a set limit.
Since risk differs by sport — fitness, golf, swimming — the risk assessment and cover are designed to reflect all sports operated. When adding a sport, check that it is within cover.
Facility operations can harm nearby third parties, as with a ball leaving a football pitch. Check at application whether risk beyond the facility boundary is within cover.
An instructor's or trainer's coaching is part of the operator's performance of its work, and loss caused to a user by negligence during coaching is assessable for cover per the wording.
The insurer calculates it based on the sports operated, facility area, number of users, the limit and endorsement structure, and past incident history. The exact premium and terms are confirmed after underwriting by insurers such as AIG, Chubb, DB, Hyundai, KB and Meritz.
