Cricket Insurance for Clubs and Teams: Quotes From $35/mo

Table of contents

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.

General Liability Insurance for Cricket Teams and Clubs 

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

Add-Ons to  General Liability Insurance for Cricket Teams and Clubs

  • 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

Coverage Limits of General Liability Insurance for Cricket Teams and Clubs

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.


Is It a Long Process to Get Insured for General Liability Protection?

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 for Cricket Teams and Clubs

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

Coverage Limits of Public Liability Insurance for Cricket Teams and Clubs

Your policy will have limits of around $1 million.


Why Do I Not Find Many Companies Offering Public Liability Insurance?

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.


Professional Liability  Insurance for Cricket Teams and Clubs

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

Add-Ons to  Professional Liability Insurance for Cricket Teams and Clubs

  • 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

Coverage Limits of Professional Liability Insurance for Cricket Teams and Clubs

Professional liability insurance often has a $1 million per occurrence and $1 million aggregate limit.


Can I Get Professional Liability Protection Even if I Am at Fault for an Incident?

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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Commercial Property Insurance for Cricket Teams and Clubs

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

Add-Ons to  Commercial Property Insurance for Cricket Teams and Clubs

  • 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

Coverage Limits of Commercial Property Insurance for Cricket Teams and Clubs

On average, commercial property insurance for cricket teams will offer coverage limits between $20,000 and $60,000.


What is Replacement Cost Valuation?

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. 




Business Owner’s Policy for Cricket Teams and Clubs

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

Add-Ons to  Business Owner’s Policy for Cricket Teams and Clubs

  • 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

Coverage Limits of Business Owner’s Policy for Cricket Teams and Clubs

Your BOP will have around $1 million in general liability coverage and around $50,000 in commercial property coverage.


Will Business Owner’s Policy Cost More Because of The Extra Policies It Contains?

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.


Tools and Equipment Insurance for Cricket Teams and Clubs

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

Add-Ons to  Tools and Equipment Insurance for Cricket Teams and Clubs

  • 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

Coverage Limits of Tools and Equipment Insurance for Cricket Teams and Clubs

Tools and equipment insurance offers $2,500-$25,000 coverage for each covered item. 


Will Tools and Equipment Insurance Cover Intentional Damage?

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 for Cricket Teams and Clubs

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

Add-Ons to  Commercial Auto Insurance for Cricket Teams and Clubs

  • 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

Coverage Limits of Commercial Auto Insurance for Cricket Teams and Clubs

Commercial auto insurance will have coverage limits between $100,000 and $1 million.


Do I Need a Commercial Auto Insurance Policy to Get Personal Vehicles Covered?

Not necessarily. If your employees use personal vehicles for your cricket club, you can cover them under a hired and non-owned auto policy.


Workers’ Compensation Insurance for Cricket Teams and Clubs  

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

Does Workers Compensation Insurance Work With Any Doctor?

No. Typically a workers’ compensation policy will provide coverage to employees within an approved medical provider network. 


Is Workers Comp Insurance Legally Required for Cricket Teams and Clubs?

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 for Cricket Teams and Clubs

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

Coverage Limits of Accidental Medical Insurance for Cricket Teams and Clubs

Accidental medical insurance for your cricket team can cover up to $5,000 to $100,000 per injury.


Do Workers Comp Benefits Cancel Out Accidental Medical Insurance?

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. 


Cricket Travel Insurance

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. 


Add-Ons to  Travel Insurance for Cricket Teams and Clubs

  • 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

Coverage Limits of Travel Insurance for Cricket Teams and Clubs

Your travel insurance’s typical medical coverage limit will be around $500,000 per person.

Does Travel Insurance Cover Preexisting Conditions?

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.


Cricket Travel Insurance

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. 


Add-Ons to  Travel Insurance for Cricket Teams and Clubs

  • 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

Coverage Limits of Travel Insurance for Cricket Teams and Clubs

Your travel insurance’s typical medical coverage limit will be around $500,000 per person.


Does Travel Insurance Cover Preexisting Conditions?

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.

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Cricket Insurance Cost

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

Compare Cheap Cricket Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Cricket Insurance Companies

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.


NEXT Cricket Insurance

Pros 

  • 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 

Cons 

  • 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 


The Hartford Cricket Insurance

Pros 

  • Mobile app for policy tracking convenience

  • Serves over one million small business clients

  • Renowned company for workers compensation insurance

Cons 

  • 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 


CoverWallet Cricket Insurance

Pros 

  • 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

Cons 

  • 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 


Tivly Cricket Insurance

Pros 

  • 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

Cons 

  • 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 


Thimble Cricket Insurance

Pros 

  • 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

Cons 

  • 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 


Hiscox Cricket Insurance

Pros 

  • Platinum trusted service award from Feefo

  • The ultimate customized insurance experience with knowledgeable agents

  • Professional liability insurance coverage available outside the US

Cons 

  • 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 

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