Soccer Insurance for Clubs, Teams, Leagues & Players
Soccer is a physically demanding sport and players are regularly injured. This is when the soccer program will necessitate the highest level of protection that only soccer insurance can provide.Â
As a soccer club, team, league, or player, soccer insurance protects you against the impact of litigation and high medical costs. Read all you need to know about this policy today.Â
Soccer Camp Insurance
Soccer clubs, camps, and sports facilities centers provide soccer activities to their members. As with any sport, there is a chance of injury when playing soccer; therefore, you need to have the appropriate business insurance if you are a club or camp administrator.Â
Soccer Liability Insurance
Considering how much a single property or injury claim can dig a hole in your pocket, the time spent learning about soccer insurance is well worth the effort. And the first thing you need to know is that soccer liability insurance is the most prevalent form of insurance provided by club sports.Â
There are two types of required coverages – general liability and secondary accident medical coverage. Others, such as crime protection and excess coverage are important, but not mandatory.
Public Liability Insurance for Soccer Business
This policy safeguards against bodily harm or property damage. If you don’t have public liability; a severe injury, a mistimed tackle, or a misdirected shot might cost you a lot of money.
If you’re a coach, a member of your squad may sustain an injury and hold you accountable. They may even fire a shot that inadvertently destroys someone’s automobile or breaks a glass. If you are a player, you may inadvertently damage another player, who may take legal action against you.
In these cases, having public liability insurance is critical. Public liability insurance safeguards you against legal liability if a third-party property or injury damage claim is made against you.
General Liability Insurance for Soccer Business
It takes care of lawsuits arising from personal injuries, property damage, advertising errors, and anything else that could cause damage or injury to the public. The policy caters to the costs of legal defense and settlement to the aggrieved party.Â
Given that the average charge for a leg fracture for 25 to 40-year-olds is around $3,403, it’s critical for a soccer club to have this coverage.Â
Professional Liability Insurance for Soccer Business
Professional liability insurance for soccer clubs covers legal fees if your club or team is sued for negligence. It also covers any injuries sustained by your players, coaches, or victims while participating in an event or match you organized.Â
Professional liability insurance is also called errors and omissions insurance and covers errors, omissions, breaches, and helps pay for defense costs and settlement to the aggrieved party.Â
Commercial Property Insurance
As the name suggests, commercial property insurance cover protects all property owned by football teams and clubs from physical damage.Â
Such a policy covers most types of damage to business assets caused by fire, theft, vandalism, and other named perils. Damage resulting from pollution, auto accidents, construction defects, and intentional acts.Â
Earthquakes and flooding are also excluded. For covering these, you need to get flood insurance and earthquake insurance.
Workers Compensation Insurance
All employers with three or more employees are required by law to carry workers’ comp insurance, including football teams and clubs. The policy covers occupational injuries suffered by players, employees, and sometimes, uninsured contractors.Â
Workers’ compensation insurance pays for the medical bills, rehabilitation, and lost wages of the injured individual.Â
Accident Medical Care
Accident medical insurance, both primary and excess, helps pay for out-of-pocket medical expenses incurred by a player, coach, manager, other officials during travel to an event.Â
This medical insurance can assist in easing a significant financial strain caused by unexpected medical expenditures due to an injury.
Personal Accident InsuranceÂ
individuals not in the professional game require soccer player insurance. Fortunately, Personal Accident protection will pay up to a certain amount if you are admitted to the hospital or require physiotherapy or dental treatment due to a football accident.Â
This policy also includes coverage for accidental death and permanent complete disability.
Get all the best quotes from leading providers in a click of a button!
Soccer Field Insurance
Soccer fields should have enough insurance to fulfill regulatory requirements or satisfy lender obligations and safeguard their financial future.
 Members of the public and staff may potentially be hurt on your property in several scenarios, resulting in litigation and costly expenditures even if you are not found to be at fault. The same is valid for third-party property damage claims.
Soccer League Insurance
Running a sports league there is a good chance that many individuals will be engaged in sports and events, from players to fans to officials, increasing the potential of accidents.
As a result, you must safeguard your league organization from any claims that may be made against you in the case of an injury.
Soccer Insurance Buying Mistakes to Avoid
- Not conducting risk assessment before purchasing a policy.Â
- You fail to obtain insurance because you believe your team members or employees have medical coverage
- Not knowing how much you can claim in compensation if your insurance company settles on your behalf
Soccer Team Insurance Cost
Soccer team insurance is meant to protect the persons that make up a football team and costs $40 a month or $480 a year.Â
This coverage shields each player from some of the financial consequences of being injured and unable to work. It also provides $1 million in general liability coverage.
A $1,000,000/$2,000,000 general liability insurance coverage for smaller soccer teams costs about $43 a month, or $510 a year, on average, depending on location, payroll, size, sales, and expertise.Â
Help others make better decisions
Best Soccer Insurance Companies
Here are reviews showing the best soccer insurance companies’ pros, cons, and monthly pricing for a $1 million general liability coverage.Â
CoverWalletÂ
Your football club insurance from CoverWallet has better coverage than any other insurance company.
Average cost: $39 per month
Our rating: 10/10
Pros
- Best for soccer insurance quotes comparison online
- Has three types of soccer insurance productsÂ
- Easy online policy management
Cons
- Not an insurance company but a broker that offers the insurance products of its partners
US Club Soccer
As a member benefit, US Club Soccer offers members with accident and liability insurance coverage when participating in US Club Soccer-operated and sanctioned Covered Activities.
An excess participant accident medical youth soccer insurance coverage covers all US Club Soccer-registered coaches, youth players, and staff personnel.Â
Average cost: $45 per month
Our rating: 8/10
Pros
- Offers tailored policies that cater to the special risks associated with the soccer industry
Cons
- Doesn’t offer great coverage for non-members
