Cricket is a sport that’s as popular as baseball, and both sports trace their origins back to England. The International Cricket Council states that the sport is played in 125 countries. And even though there are only 4,200 professional cricket players, there are over 30 million registered players.
As a cricket team or club owner, you know the sport's growing popularity and the challenges it may face. A sports coach might get injured during a training session. A viewer might sustain injuries during a match. Protect your team or club from an unexpected lawsuit or expensive financial losses through cricket insurance. This article will explain some essential insurance policies to keep your team scoring without worry.
| 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 will protect your cricket team or club from third-party liability claims. Some examples of covered liability claims include:
A member of the public falls and injures their neck at your cricket club
Another cricket team member’s property is damaged in your cricket facility
A cricket fan slips and hurts their back at your cricket club
Liquor liability–If your cricket team or club serves alcohol to fans and guests, you may want liquor liability insurance to protect you from alcohol-related claims
Participant accident–Helps protect group-sponsored activities and events with medical benefits and travel assistance services when a covered party experiences a medical emergency
General liability insurance for cricket teams and clubs will have coverage between $1 and $2 million. Higher limits are available depending on your policy and insurer.
No. Many insurers will offer quick quote processes. After getting a quote, you will be pushed into the buying process, which can also be relatively quick. Typically an insurance company can get you a general liability insurance certificate within 24 to 48 hours.
Public liability insurance is similar to general liability coverage but is narrower in scope. While general liability can cover more types of claims, public liability is focused on claims from customers and members of the general public. Example claims include:
An excited fan injures themselves at your cricket club and sues for medical treatment
A public member has their property damaged at one of your cricket events
Your policy will have limits of around $1 million.
Many insurers will offer general liability policies over public liability policies. This is because general liability insurance includes public liability coverage but will offer a broader range of events.
| 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 |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
Professional liability insurance protects your cricket team or club against lawsuits stemming from business mistakes, oversights, or negligence. Examples include:
Your cricket team or club fails to deliver services to a fan
Your cricket team is sued for mistakes that caused another party's financial loss
Prior acts coverage–Protects your cricket club business from liability claims that have happened before the current policy is active
Excess liability–Extends the usual limits of your professional liability policy after having been exhausted
Professional liability insurance often has a $1 million per occurrence and $1 million aggregate limit.
Yes. Regardless of who is at fault for the incident, your professional liability insurance will help you cover the legal fees and liability costs you are responsible for. Exclusions might include incidents you intentionally caused, which are not typically covered by professional liability insurance.
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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 will protect your cricket team's clubhouse or business premises from physical damage. It will also protect any personal business property on the premises. Example events may include:
Your cricket facility is damaged in a devastating fire, and you must repair it
A criminal breaks into your facility and steals sports equipment
Equipment breakdown–Protects your business equipment from internal force damage like mechanical breakdown, electronic failure, and power surges
Earthquake protection–Offers benefits to help pay for damage to your cricket club or team related to earthquakes, mudslides, and landslides
Business interruption–Helps your business with things like lost income, relocation costs, and loan payments that result from physical damage to your business
On average, commercial property insurance for cricket teams will offer coverage limits between $20,000 and $60,000.
Replacement cost valuation is commercial property insurance that can cover business property without accounting for depreciation. In effect, it offers the cost to replace personal property.
| CoverWallet | Thimble (Best) | NEXT | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $2,000,000 | $2,000,000 | $300,000 | $1,000,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $500,000 | $260,000 | $25,000 | $75,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes | Yes |
Your business owner’s policy will offer general liability and commercial property insurance in one simplified policy. Examples of coverage include:
Your team's operations damage a member of the public’s property. This policy can help you with any costs related to that incident
An unknown party steals the cricket club’s gear and needs to be replaced
Commercial crime coverage–Protects your business when employees commit crimes, forgery, and theft
Cyber liability–Adds protection to your cricket club business to defend against the costs of cyber-attacks and data breaches
Your BOP will have around $1 million in general liability coverage and around $50,000 in commercial property coverage.
Yes. A BOP typically has a higher premium than other insurance policies it contains individually. However, this cost largely depends on the business type you operate. Riskier businesses will have an inherently higher cost. Overall, a BOP will save you money compared to buying policies separately.
| 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 |
Tools and equipment insurance that protects your tools and equipment, even if damaged, away from your business building. Examples of coverage include:
A fire damages movable equipment you use at your facility
Some of your cricket sports tools get stolen while at an away game
Equipment breakdown–Helps you replace damaged equipment from events like mechanical breakdowns, power outages, and surges
Flooding and water damage–Provides a way to replace damaged or ruined cricket equipment from some forms of flooding and water damage
Tools and equipment insurance offers $2,500-$25,000 coverage for each covered item.
No. Tools and equipment insurance will not cover intentional damage to tools. This prevents customers from intentionally breaking old tools and equipment to get a brand-new replacement. Many other types of insurance policies will exclude intentional acts.
Commercial auto insurance is a cricket car insurance policy that protects vehicles you might use in your team’s operations. Examples include:
Your cricket team’s transport van gets into an auto collision
While outside a cricket game, your cricket transport vehicle is vandalized
Commercial auto insurance is typically comprised of a few primary coverages, which include:
Collision–This protects your commercial cricket vehicle from the damage sustained in on-road collisions with other vehicles
Comprehensive–As the name suggests, it covers many forms of physical damage, excluding collision incidents
Auto liability–A type of coverage that protects your business from liability claims and associated costs that stem from vehicle incidents you may be liable for
Underinsured motorist–Helps compensate for the coverage gap that another vehicle operator might have if they don’t have enough coverage to pay for damages they cause
Medical payments–Provides medical benefits to drivers and passengers in a vehicle accident regardless of who is found at fault
Commercial auto insurance will have coverage limits between $100,000 and $1 million.
Not necessarily. If your employees use personal vehicles for your cricket club, you can cover them under a hired and non-owned auto policy.
Your cricket club insurance could benefit from workers' compensation coverage if you have employees. This insurance policy helps pay for your employee's medical expenses and lost wages when sick or injured. This policy is legally required in most states for businesses that have employees. Examples include:
An employee cuts their leg open while cleaning up cricket equipment
One of your employees hurts their back on the job and is temporarily unable to work while they get medical treatment and wait for recovery
No. Typically a workers' compensation policy will provide coverage to employees within an approved medical provider network.
Yes. Typically, athletes and employees are eligible for workers' comp benefits, so a sports business must purchase workers' comp protection for them.
Accidental medical insurance helps cover the medical costs of treatment for your athletes injured in a covered incident. Example situations may include:
A player needs a medical brace for a twisted knee that happened on the field
One of your cricket club members needs to get stitches after a nasty cut
Accidental medical insurance for your cricket team can cover up to $5,000 to $100,000 per injury.
No, workers who received the benefits of a workers’ compensation policy are not automatically excluded from receiving benefits from accidental medical insurance. It is up to the insurer to determine the eligibility of your cricket team members or staff.
Your cricket travel insurance will help cover flight cancellations, damaged luggage, and medical injuries. Most insurance companies offer this as a short-term policy that only lasts for the duration of the trip.
Epidemic coverage–Covers incidents like COVID-19 losses related to epidemics that are typically excluded from travel insurance
Rental vehicle damage–Adds protection for physical damage to rental vehicles during your trip due to a collision or criminal vandalism
Your travel insurance's typical medical coverage limit will be around $500,000 per person.
No. Typically travel insurance will not cover events due to a preexisting condition. This can be events like political unrest in an area that causes reservations to be canceled.
Your cricket travel insurance will help cover flight cancellations, damaged luggage, and medical injuries. Most insurance companies offer this as a short-term policy that only lasts for the duration of the trip.
Epidemic coverage–Covers incidents like COVID-19 losses related to epidemics that are typically excluded from travel insurance
Rental vehicle damage–Adds protection for physical damage to rental vehicles during your trip due to a collision or criminal vandalism
Your travel insurance's typical medical coverage limit will be around $500,000 per person.
No. Typically travel insurance will not cover events due to a preexisting condition. This can be events like political unrest in an area that causes reservations to be canceled.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $36 | $432 | $0-$500 |
| Professional liability insurance | $40 | $480 | $500-$1,000 |
| Commercial property insurance | $55 | $660 | $1,000-$2,000 |
| Business owner's policy | $84 | $1,008 | $1,500 |
| Tools and equipment insurance | $39 | $468 | $500-$1,000 |
| Commercial auto insurance | $62 | $744 | $500-$1,000 |
| Travel insurance | $61 | $732 | $500-$1,000 |
| Workers compensation insurance | $93 | $1,116 | $2,500-$5,000 |
The average cricket insurance cost is $36 per month or $432 per year for a $1 million general liability policy. Factors that affect premiums are claims history, business history, policy limits, deductibles, location, and number of employees. Here’s a table showing the cost of a $1 million general liability coverage from the best cricket insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $21 | $252 | Best overall; Fastest general liability insurance |
| The Hartford | $23 | $276 | Accident insurance for cricket clubs and teams |
| CoverWallet | $26 | $312 | Comparing cricket insurance quotes online |
| Tivly | $28 | $336 | Comparing cricket insurance policy options over the phone |
| Thimble | $30 | $360 | Getting cricket insurance for your club and team as quickly as possible |
| Hiscox | $32 | $384 | Cricket club insurance |
Get all the best quotes from leading providers in a click of a button!
The last section of this article contains reviews of some of the best companies offering policies you need for your cricket business. Keep reading to have as much information as possible before deciding on a policy.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance
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
NEXT is a highly rated insurer with an A- financial strength rating from AM Best. Over 420,000 business owners trust the company. NEXT has a 4.7 out of 5 rating on its customer reviews. You can buy policies that help cover medical payments, legal fees, property damage, and more. Next also has a B+ rating from the Better Business Bureau.
Best for: Best overall; Fastest general liability insurance
Average cost: $21 per month
Our rating: 10/10
Mobile app for policy tracking convenience
Serves over one million small business clients
Renowned company for workers compensation insurance
Some customers report fewer discounts than competitors
The Hartford has an excellent A- rating from AM Best and was responsible for servicing over $11 billion in direct premiums in 2022. This company is a financially trust-worthy insurer that you can trust to be able to cover your policies. The Hartford offers policy options like critical illness, general liability, and business owner’s policy.
Best for: Accident insurance for cricket clubs and teams
Average cost: $23 per month
Our rating: 10/10
Insurance platform that makes it easy to compare rates
Many coverage options through its partners
Claim tracking and insurance policies are managed through an excellent digital dashboard
Not an insurance company but an insurance broker
CoverWallet can be your go-to stop to pick up sports team insurance for adults and youth clubs. You can choose from top partners like Hiscox, Markel, and Progressive. Your cricket team insurance will offer numerous options, and you can manage your policies from one convenient place. CoverWallet has an A+ rating from the Better Business Bureau.
Best for: Comparing cricket insurance quotes online
Average cost: $26 per month
Our rating: 10/10
Offers policies from top names like The Hartford, Progressive, and Gallagher
Works with you to connect you to the best insurers
Over 200 insurance partners to choose from
Does not have a convenient mobile app like other entries on this list
Tivly is an A-rated insurance company by the Better Business Bureau. This company helps you choose from over 200 different insurers. Tivly uses a flexible-targeting system to help match policies, companies, and you quickly and easily. Tivly offers critical commercial insurance options for cricket clubs and teams like workers’ comp, commercial auto, and general liability insurance. Call now to compare quotes over the phone.
Best for: Comparing cricket insurance policy options over the phone
Average cost: $28 per month
Our rating: 10/10
Quick quotes and policy purchases
Has an insurance glossary to learn about insurance concepts
Works well with small businesses
Thimble lets you set the terms of your coverage period
Simple insurance products may lack add-ons
Thimble is an insurance provider with a 4.6 out of 5 rating from Trustpilot. The company offers flexible policies that cover the exact period that you want them to. You can buy essential policies like general liability, business equipment, commercial property, and workers' compensation insurance.
Best for: Getting cricket insurance for your club and team as quickly as possible
Average cost: $30 per month
Our rating: 10/10
Platinum trusted service award from Feefo
The ultimate customized insurance experience with knowledgeable agents
Professional liability insurance coverage available outside the US
Not as many coverage options by default
Hiscox is an insurer that offers a deeply tailored experience. You can buy standard policies that cricket clubs and teams need. Hiscox also has specialized cricket club insurance called Club Cricket Cover. The cricket club policy offers options like employers' liability and public liability coverage. Hiscox maintains an A rating from AM Best and a financial score of A+ from Fitch.
Best for: Cricket club insurance
Average cost: $32 per month
Our rating: 10/10
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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