Baseball and boxing are some examples of highly perilous sports. Players can sustain injuries that have long-term effects. An athletic trainer helps individuals in many sports teams recover from an injury.
As an athletic trainer, you know better than anyone about staying prepared and protecting your clients from injury. But what about protecting yourself and your business from legal and financial risks? This makes athletic trainer insurance necessary. Maintaining the right insurance coverage protects you if a client sustains injuries or personal training equipment gets damaged
In this article, we'll explore the various types of athletic trainer insurance coverage available for athletic trainers, the specific situations they can help with, and the best insurance companies to consider.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
General liability insurance for an athletic trainer protects the trainer from financial loss if held legally liable. This athletic trainer liability insurance covers accidents, injuries, or property damage that may occur while the trainer conducts training sessions, provides guidance to athletes or clients, or uses facilities or equipment. The coverage limits can range from $500,000 to $1 million per occurrence.
Slip and fall accidents in your office or training facility
Property damage caused by you or your clients during training sessions
Accidents that occur during events or competitions that you are involved in
Professional liability insurance–This type of insurance covers claims against you related to your professional services, such as malpractice or negligence
Employment practices liability insurance (EPLI)–EPLI covers claims related to employment practices, including wrongful termination, discrimination, harassment, or other violations of employee rights. It can protect the athletic trainer from lawsuits from employees or former employees
| CoverWallet | NEXT | Thimble (Best) | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $2,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Professional liability insurance for athletic trainers is essential because it covers potential liability arising from their professional actions, advice, or recommendations. Coverage limits for professional liability insurance are typically between $1 million-$2 million per occurrence and aggregate.
Claims of malpractice or negligence related to your professional services, such as administering incorrect treatment or failing to diagnose a condition
Allegations of professional impropriety or unethical conduct
Statements on lack of acquisition of informed consent from clients before providing treatment
Some insurance providers may offer add-ons to their professional liability policies, such as:
Extended reporting period–An ERP, also known as "tail coverage," provides an extension of the reporting period for claims under a claims-made policy. It allows the athletic trainer to report claims even after the policy has expired, as long as the incident occurred during the policy period.
Regulatory proceeding coverage–It covers legal fees and expenses related to claims made against you by a regulatory agency.
Athletic trainer malpractice insurance covers errors or negligence. This is another term for professional liability insurance designed for athletic trainers.
Public liability insurance covers claims against you for bodily injury, property damage, or personal injury during business operations in a public place. Most general liability policies automatically have public liability coverage incorporated in their language.
Some insurance providers may offer add-ons to their public liability policies, such as:
Event coverage–This add-on provides coverage if the athletic trainer organizes or participates in special events. It can protect against liability claims during the event, such as injuries or property damage caused to participants or spectators
Participant liability coverage–This add-on extends coverage to injuries sustained by participants during athletic events, competitions, or training sessions organized by the athletic trainer. It can cover medical expenses, legal fees, and potential liability claims from participants
Public liability insurance can cover claims related to food poisoning at events you are involved in as long as the incident occurred during your business operations and in a public place.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Commercial property insurance protects your business property from damage or loss due to covered events like fire, theft, or natural disasters. As an athletic trainer, you may own or rent a building or space where you train your clients. Commercial property insurance can help protect your property, including equipment, furniture, and fixtures.
Coverage limits range from $300,000 up to $1,000,000 for each occurrence. Some policies also offer coverage for loss of income due to equipment failure or damage.
Fire damage to your building or equipment
Theft or vandalism of your business property
Water damage due to burst pipes or severe weather
Damage to your property due to natural disasters like earthquakes or hurricanes
Flood insurance–Provides additional coverage for damage or loss due to flooding
Earthquake insurance–Offers supplementary protection against harm or deprivation caused by an earthquake
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
A business owner's policy (BOP) combines general liability and commercial property insurance, providing comprehensive coverage for small businesses. As an athletic trainer, consider a BOP to protect yourself and your business from unexpected incidents and accidents.
A BOP offers a $1 million general liability coverage and $60,000 commercial property coverage. You can enjoy higher coverage amounts if the insurance company allows for policy customization.
Professional liability insurance–Also known as errors and omissions insurance, covers you against claims of negligence, errors, or omissions in your professional services
Cyber liability insurance–Covers your business against data breaches, cyber-attacks, and other cyber threats
| NEXT | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 | $0 |
As an athletic trainer, your tools and equipment are crucial. Tools and equipment insurance covers your equipment, tools, and supplies from damage caused by theft, fire, vandalism, and other covered perils.
The coverage limits typically range from $5,000 to $50,000 or more. Choosing a coverage limit appropriate for the value of your equipment and supplies is essential.
Inland marine coverage–Protects your equipment while in transit
Business interruption coverage–This policy safeguards against income loss in case of equipment damage or loss that prevents you from working
Spoilage coverage–This insurance protects supplies that spoil or become unusable due to power outages or other covered occurrences
It depends on the tools and equipment insurance policy you choose. Some insurance policies may provide coverage for rented equipment, while others may not. It's important to review your insurance policy and discuss your coverage options with your insurance provider to ensure you have the protection you need.
Athletic trainers' workers' compensation insurance covers job-related injuries and diseases. Athletic trainers work with sports teams, fitness centers, schools, and rehabilitation facilities to prevent and treat injuries. Athletic trainers' medical treatment, including doctor visits, hospitalization, drugs, and rehabilitation, can be covered by workers' compensation insurance.
The coverage limits for workers compensation insurance can vary depending on the insurance provider and your chosen policy. The coverage limits typically range from $100,000 to $1 million.
Employer's liability insurance covers lawsuits or claims against your employer about your injury or illness
Occupational accident insurance covers non-employee athletes or clients who may be injured while participating in athletic training services
If you are a self-employed athletic trainer, you may not be legally required to have workers compensation insurance. However, it's still important to consider this type of insurance as it can cover injuries or illnesses that may occur while providing athletic training services.
Travel insurance protects them financially when traveling for work. Medical expenses, lost or delayed baggage, emergency medical evacuation, and other advantages are usually covered.
The coverage limits can range from $25,000 to $1 million or more.
Trip interruption coverage–Covers expenses related to an unexpected interruption of your work-related trip
Adventure sports coverage–It covers injuries or accidents that may occur while participating in adventure sports such as skiing, snowboarding, or surfing
Yes, travel insurance is available for international work-related trips. It's important to review the policy details and ensure that the coverage meets your specific needs and the requirements of your employer.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $36 | $432 | $0-$500 |
| Professional liability insurance | $43 | $516 | $1,000-$2,000 |
| Commercial property insurance | $52 | $624 | $1,000-$2,000 |
| Business owner's policy | $74 | $888 | $1,500 |
| Tools and equipment insurance | $39 | $468 | $500-$1,000 |
| Commercial auto insurance | $46 | $552 | $500-$1,000 |
| Workers compensation insurance | $82 | $984 | $2,500-$5,000 |
The average athletic trainer liability insurance cost is $36 per month or $432 per year for a $1 million general liability policy. Here are some factors that can impact the cost of liability insurance for certified athletic trainers:
Coverage limits–Higher coverage limits will typically result in higher premiums
Deductible–A higher deductible (the amount the insured must pay before the insurance coverage kicks in) can lower premiums, while a lower deductible may result in higher premiums
Location–Insurance rates can vary based on the location where the athletic trainer operates. Local regulations, cost of living, and litigation trends can influence insurance costs
Experience and qualifications–The athletic trainer's experience, certifications, and qualifications can affect the premium. Trainers with more experience or specialized certifications may have lower rates
Claims history–A history of past claims or legal actions can impact the cost of insurance. If an athletic trainer has a history of claims, it may result in higher premiums
Additional coverage and endorsements–The cost of add-ons to or endorsements to the policy will be added to the base premium, increasing the overall cost
In connection, here’s a table showing the rates of a $1 million general liability policy from the best athletic trainer insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $11 | $132 | Best overall; Fastest general liability insurance for athletic trainers |
| CoverWallet | $18 | $216 | Comparing athletic trainer insurance quotes online |
| The Hartford | $24 | $288 | Workers comp insurance for athletic trainers |
| Tivly | $28 | $336 | Comparing athletic trainer insurance quotes over the phone |
| Hiscox | $30 | $360 | Business insurance policies with cyber liability coverage options |
| Thimble | $32 | $384 | On-demand insurance policies with flexible coverage options |
Consider comparing quotes to get a better idea of the cost for liability insurance for a certified athletic trainer. Start by clicking the “Get Quotes” button on this page.
Get all the best quotes from leading providers in a click of a button!
Several insurance companies specialize in providing coverage for athletic trainers. The best insurance company for you may depend on your location, specific needs, and budget. Here are some well-known insurance companies that offer coverage for athletic trainers. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability insurance.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for athletic trainers
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
If you're an athletic trainer looking for comprehensive insurance coverage, NEXT is a great option. They offer liability insurance for athletic trainers starting at just $11 per month, making it an affordable option for those just starting out. Other policies you can avail are commercial property, BOP, and workers compensation insurance. NEXT also offers commercial auto insurance in partnership with Progressive.
Best for: Best overall; Fastest general liability insurance for athletic trainers
Average cost: $11 per month
Our rating: 10/10
Access to policies from a variety of top insurance carriers
Dedicated customer service support team
Wide range of insurance products available beyond liability insurance
Some customers report issues with the claims process
CoverWallet is an online insurance marketplace that provides business insurance policies, including coverage for athletic trainers. Their online platform makes it easy to select the coverage options that best fit your needs, and their customer service team is available to answer any questions you may have. With CoverWallet, you can rest assured that you have the coverage you need to protect yourself and your business.
Best for: Comparing athletic trainer insurance quotes online
Average cost: $18 per month
Our rating: 10/10
Variety of coverage options available, including liability, property, and workers' compensation insurance
Strong financial stability and ratings
Ability to bundle coverage for multiple insurance needs
Limited add-ons to general liability insurance
The Hartford is a trusted name in the insurance industry, and for a good reason. They offer a range of insurance options for athletic trainers, including general liability, professional liability, and property coverage.
Best for: Workers comp insurance for athletic trainers
Average cost: $24 per month
Our rating: 10/10
Simple, easy-to-understand policies with no hidden fees or surprises
Flexible coverage options tailored for athletic trainers
Strong focus on customer support and satisfaction
Limited information available about the company's history and reputation
Tivly is an online insurance marketplace that provides business insurance policies. Their policies are designed to meet the unique needs of small businesses. But note that your insurance policies aren’t underwritten by Tivly. Instead, this comes from reputable carriers Tivly works with. Call now to compare quotes over the phone.
Best for: Comparing athletic trainer insurance quotes over the phone
Average cost: $28 per month
Our rating: 9/10
Allows policyholders to adjust their coverage levels as their needs change
Hiscox provides access to various risk management tools and resources to help athletic trainers mitigate potential risks and liabilities.
Its services are limited to certain states
Hiscox offers business insurance policies, including general, professional, and cyber liability insurance. Their policies are designed to meet the unique needs of small businesses, including athletic trainers. Hiscox's policies are customizable and can be tailored to meet the needs of a small business.
Best for: Business insurance policies with cyber liability coverage options
Average cost: $30 per month
Our rating: 8/10
Ability to purchase insurance for specific periods, such as a single event or project
Thimble offers pay-as-you-go policies, which means athletic trainers only pay for the coverage they need, when they need it
Numerous add-ons to general liability insurance
You can’t reach customer service by calling
Thimble offers on-demand business insurance policies, including general and professional liability insurance. Their policies are designed for small businesses, including athletic trainers. Thimble's policies are flexible and can be purchased by the hour, day, or month.
Best for: On-demand insurance policies with flexible coverage options
Average cost: $32 per month
Our rating: 8/10
Lockton Liability has a well-established reputation for providing excellent customer service, with a dedicated team available to address inquiries or concerns
They offer customizable coverage options, allowing athletic trainers to select the specific coverage that aligns with their needs and budget
Their network and relationships within the insurance industry enable them to secure competitive rates and terms for athletics, potentially saving businesses high costs
Certain coverage options may not be available in all states, so it's essential to verify the availability of specific coverages based on your state of operation
This is a top-notch option for global liability coverage offering athletic trainers. They provide a wide range of insurance solutions tailored to meet the specific needs of businesses, including athletic trainers. With their expertise and exceptional customer service, lockton liability insurance for athletic trainers is reliable partner in protecting your athletic trainer’s interests.
Best for: Businesses seeking customized liability coverage
Average cost: $41 per month
Our rating: 7/10
Coverage is available to members and non-members
Offers for a variety of professional associations
Students receive a discount
You must complete a form and wait for a call if you want business insurance
Proliability Insurance is a dependable professional liability insurance coverage source. The proliability athletic trainer insurance application procedure is short and simple. The customer care staff offers unparalleled personalized service at reasonable rates. To provide business owners with specialized solutions and flexible coverage options, Proliability Insurance only partners with the most reputable insurance companies.
Best for: Self-employed or own a practice
Average cost: $45 per month
Our rating: 7/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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