Regardless of whether you coach an after-school football program, a soccer club, or a football team, football coaching can be highly rewarding. You get to help your players hone their skills and reach the epitome of their careers.
Similar to sports coaching or career coaching, something will often go wrong despite the most careful planning and preparations. After all, coaching is physical work. There's the risk of injury to you, your players, or even a member of the public.
Besides, by virtue of what coaching is, your players will often rely on your advice. It is entirely possible that those you provide football coaching might deem this advice as lacking. Even worse, your advice might result in bodily injuries.
Given these risks, you want to protect yourself, your assets, and your business. Most insurers will offer football coach insurance. Read this guide to learn the cost of premiums and the best companies.
Football is a contact sport that's as dangerous as boxing. Suppose a trainee gets injured while training for the next big game under your supervision, and it's proven that you conducted the session without the proper sports gear. What if a player slips on football equipment you failed to put away after the previous session? Further, what if a member of the public gets injured due to practice while in a shared space?
In such instances, and given just how litigious today's society is, you are likely going to be facing claims from the aggrieved party. If you were to pay out of pocket for the costs arising from these types of lawsuits, it would take a toll on your finances. As such, you must consider getting public liability insurance for football coaches.
This policy offers coverage from claims of injury to a third party or damage to their property. It would be best if you looked into a policy with coverage limits of between $1 million and $10 million for the best coverage.
Sports and sports coaching elicits strong emotions. Unfortunately, in expressing your displeasure with a rival coach or team, you might find yourself faced with alleged claims of defamation.
Such claims can be a nightmare, as they take a hit at your reputation. Defending yourself and your business against such claims and the public relations cleanup that ensues is often costly. As such, you want to get defamation coverage just in case your remarks at a game or training session lands you on the wrong side of the law.
There’s no such thing as defamation insurance. However, there’s general liability insurance that covers such an exposure.
Just like public liability insurance, general liability insurance covers your liability over bodily injuries or property damage sustained by third parties. However, this is more comprehensive as other exposures are also covered, such as:
Slander, libel, copyright infringement, invasion of privacy, and breach of confidentiality
Liability over damaged to a rented sports facility or any other space
Bodily injuries or property damage caused by a hired/borrowed commercial auto
An additional policy you must purchase is professional indemnity insurance for football coaches. This policy protects you and your football coaching business from claims brought against the advice and training you offer to your players.
In most instances, proof of this type of cover will ensure you land jobs both with institutions and individuals looking for professional football coaching. It is proof that you are invested in protecting both your business and your clients in the event that a mistake or accident occurs.
To succeed within any allied health professional field, and in this case, football coaching, you've got to protect yourself from complaints brought against you or your business by a governing board.
Such claims will often accrue significant investigation costs. As such, it would be best that you invest in a cover specifically meant to cater to the costs arising from such complaints.
Sometimes, professional indemnity insurance comes with license coverage. And so, it will cover licensing board investigations and lawsuits filed against you. Note that the availability of this coverage rests on your choice of carrier.
Get all the best quotes from leading providers in a click of a button!
Further, in most instances, you will likely be conducting training sessions on property owned by a third party. As football training is a physical activity, there might be damage to the property which will often attract lawsuits. In such an instance, commercial property insurance will cater to all the expenses that arise from such incidents.
You must consider an equipment cover to protect your business assets from goals to balls to cones. This policy protects all equipment you use to deliver football coaching. As such, in case of loss, theft, or damage, you will not have to pay out of pocket for repair or replacement.
If you have a coaching assistant with you, you want to get a workers' compensation policy for football coaches. This is especially true for coaches looking to work within most football leagues.
This policy takes care of all perceived injury risks to employees or uninsured subcontractors. You will need to purchase the statutory workers' compensation mandated by the state and supplement it with an employer's liability policy.
The latter covers you in the event that a coach working with you gets injured due to what could be proven as negligence on your part. Other than covering your business from the costs associated with employee-filled claims, this policy cushions you from the cost of non-compliance.
Finally, suppose you suffer an injury during a coaching session. Seeing as this is highly likely, you want to invest in a personal accident cover. This will cater to all costs arising from injury during a training session, whether minor or significant.
It is prudent to mention that most providers will push a loss of earnings insurance when you start the conversation on personal accident policies. This cover would support you financially if you suffered an injury and were unable to work.
Abuse and molestation insurance is very important, especially if you’re a coach of a youth football team. Often included as an add-on to general liability or professional liability insurance for sports coaches, abuse and molestation insurance takes care of settlements, defense costs, and court judgments if a claimant accuses you of committing sexual abuse, verbal abuse, assault, and other related offenses.
| Cost per Month | Cost per Year | |
|---|---|---|
| General liability insurance | $39 | $468 |
| Professional liability insurance | $46 | $552 |
| Workers compensation insurance | $79 | $948 |
| Business owner’s policy | $42 | $504 |
Expect to pay $39 per month or $468 per year for a $1 million general liability insurance policy. This football coach insurance cost estimate assumes that you have 5 associates and generate $500,000-$750,000 per year.
Football coach insurance costs vary for all customers. This is why all we can give is an estimate. When determining your rate, carriers will consider location, coaching history, claims history, the football player or team you work with, and the type of training you provide.
To further understand how much you’ll need to pay for premiums, here’s a table showing the rates of the recommended companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for football coaches |
| CoverWallet | $27.19 | $326.28 | Football coach insurance online quotes comparison |
| Tivly | $29 | $348 | Comparing football coach insurance quotes over the phone |
| Hiscox | $31.16 | $373.92 | International football coach insurance coverage |
| Markel Direct | $35 | $420 | Seamless online process |
| SportsCover Direct | $38.41 | $460.92 | Football coaches working with a team |
Get all the best quotes from leading providers in a click of a button!
By the nature of football coaching and instructions, accidents will inevitably happen. Moreover, a training plan will not consistently deliver the expected results. Claims arising from these incidents will often be costly, especially without the best football coach insurance coverage.
You want to work with the best football coach insurance companies to protect your reputation, assets, and business. Here are a few you might consider. Read to know their pros, cons, and rate for a $1 million general liability policy.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for football coaches
Great customer service and reputation
Issues an online proof of insurance instantly
Outstanding value for money
Bundle two or more insurance policies and get a 10% discount
Couldn’t find any
NEXT covers football coaches through its sports coach insurance program. You are required to answer a few questions with NEXT's online instant quote. The information will be reviewed, and a list of options and amounts of coverage presented to you. You can then choose whether you want basic, deluxe, or premiere coverage for your football coaching business.
The basic insurance package starts at $25 per month or $300 annually. This is a general liability policy-only insurance plan. You enjoy a $1 million coverage for each claim and $2 million coverage for claims made during the policy year.
Get the most comprehensive coverage with a deluxe insurance plan. Through this, you get general liability, professional liability, workers' compensation, and commercial property insurance. Premiums won’t be very expensive because you’ll get a 10% discount.
Best for: Best overall; Fastest general liability insurance for football coaches
Average cost: $25 per month
Our rating: 10/10
Stable rates
Cancel a policy anytime
Easy online insurance management
Compare football coach insurance quotes over the phone
Not an insurance company but an insurance broker
CoverWallet covers football coaches like you through its specialized coverage for sports and recreation instructors. You can get general liability, workers' compensation, commercial auto, professional liability, and other business insurance policies.
Get insured by CoverWallet because it allows you to choose between a pre-made insurance program or one you can customize yourself. Liability policy limits start at $1 million per occurrence and $2 million aggregate.
On the other hand, property insurance products provide $50,000 building and contents coverage. Separate amounts of coverage might apply to business interruption, accounts receivable, utility services, and more.
Use CoverWallet’s online football coach insurance quotes comparison tool to find the best coverage and get covered fast.
Best for: Football coach insurance online quotes comparison
Average cost: $27.19 per month
Our rating: 10/10
Responsive customer service
Call and compare football coach insurance quotes over the phone
A partner of reputable insurance companies
You need to call to get a quote
Tivly (formerly CommercialInsurance.NET) sells general liability, workers compensation, professional liability, and other business insurance policies for football coaches. If you get rejected by an insurance company, chances are you’ll be referred here. Call Tivly now to know if you can get covered and compare football coach insurance quotes over the phone.
Best for: Comparing football coach insurance quotes over the phone
Average cost: $29 per month
Our rating: 10/10
Online quote in minutes
Swift cover
Affordable premiums
14-day money-back guarantee
Worldwide coverage as long as the claim is filed in the U.S., U.S. territory, or Canada
Policyholders can pay premiums upfront or in monthly installments at no additional fee
Football coach coverage not available in Alaska
Similar to CoverWallet, Hiscox doesn’t have a specialized football coaching insurance program. Instead, you get covered through its trainer and instructor’s insurance program offering general liability, BOP, cyber liability, and professional liability insurance policies.
Premiums start from $31.16 per month or $373.92 per year for a $1 million general liability insurance policy. Hiscox advises prospective policyholders to tailor their insurance to include the most suitable products for the football coaching business.
Best for: International football coach insurance coverage
Average cost: $31.16 per month
Our rating: 7/10
Fast, easy online quote in 90 seconds
No hidden fees or cancellation charges
Interest-free direct debit
Instant proof of cover is provided
Policyholders can spread the cost of their insurance to over 10 interest-free monthly installments
24-hour legal advice helpline
24-hour access to Markel Law-Hub with extensive legal and business guides as well as templates and content written by sports cover experts
No claims response time frame promised
No outline of the claims process is available
Markel has over 25 years of experience offering specialty insurance for sports coaches and trainers. This is a testament to their understanding of the range of risks that sports coaches face. Markel Direct's football coach offering includes:
Public liability policy
Professional indemnity policy with limits of $1,000,000 and $5,000,000
Employer's liability insurance policy of $10 million
Legal expenses insurance policy with a limit of $100,000
Directors and officers' insurance policy with limits ranging between $100,000 to $5 million
Office Insurance
Occupational, personal accident insurance
Cyber and data risks insurance
Seeing as the insurer does not take a one size fits all approach to providing you with football coach insurance, it's impossible to provide an exact quote for the policy. However, football coach insurance from Markel Direct starts from $35 a month or $420 annually. Ultimately, Markel Direct will consider your business specifics to arrive at the premiums you end up paying.
Best for: Seamless online process
Average cost: $35 per month
Our rating: 9/10
International coverage
Easy website to navigate
Super-fast service
Range of cover offered, thus easy customization
Insurance documents, including certificate of insurance, are issued immediately
Online purchase 24/7
Secure online transactions
Excellent claims handling
No summary of covers in the policy documents
If you are in the market for a lead player in sports insurance, you ought to consider SportsCover Direct. Their football coach insurance product is underwritten by AXA, one of the U.K.'s leading insurers. Whether you are an amateur, semi-professional or professional football coach, SportsCover Direct has a policy for you. Other than the traditional football coach insurance, you can also include income protection, travel, and competition coverage as part of your policy.
The football coach insurance policy includes public liability insurance for football coaches with limits of up to $10 million. You can also add an employers' liability policy.
What stands out about SportsDirect is its travel insurance package. This will come in handy for football coaches and their teams that travel for competition or training. The travel insurance package offered to football coaches includes coverage for the following:
Medical expenses
Trip cancellation
Natural disasters
Personal possessions and baggage
Best for: Football coaches working with a team
Average cost: $38.41 per month
Our rating: 9/10
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
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.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
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!
It really can't get any better than this... wow
Not all those who wander are lost.
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