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What is an umbrella organisation?

This is where the club is made up of several different sections, each offering different activities. Attributes may include:

Having a single legal structure with a shared governing document outlining how the club is run.
An overarching decision-making body/committee having overall responsibility for the club.

However, each section may have their own sub-committees who are responsible for the day-to-day running of their section.
Having one set of financial accounts for the whole club. Each section can keep their own accounts, but these are consolidated into one full set at end of the year.

For example, the income generated by, and expenditure of, each section is added together to provide the total income and expenditure amounts for the whole club.
The overarching body having a central bank account(s). Each section may also have their own bank account(s). All bank accounts require multiple signatories to authorise payments, which will include non-related, non-cohabiting, members of the decision-making body/committee for the central bank account(s).

For section specific accounts, multiple signatories are still required but can be from un-related, non-cohabiting, section-specific committee members. Where there is more than one bank account, these should be held by the umbrella organisation.

Parameters on expenditure should be agreed and processes should be in place so the overarching decision-making body/committee can monitor accounts and ensure the required reporting can be included within the annual accounts.
Membership often being for the whole club rather than specific sections, but there may be additional costs to join different sections.

For example, a club offering tennis, squash, and hockey, will offer a membership for the whole club and then an additional cost to join the hockey section.
All playing members having the same rights, for example equal voting rights at AGMs, regardless of the sports or activities they participate in, as set out in the club's governing document.
The different sections may have the same or different names.