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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.
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.
As with any sport, including indoor soccer, there is a chance of injury when playing; therefore, you need to have the appropriate business insurance if you are a club or camp administrator.
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.
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.
This policy safeguards against bodily harm or property damage. Whether you’re running traditional or bubble soccer, 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.
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.
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.
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.
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.
As the name suggests, commercial property insurance cover protects all property owned by football teams and clubs from physical damage.
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.
Earthquakes and flooding are also excluded. For covering these, you need to get flood insurance and earthquake 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.
Workers’ compensation insurance pays for the medical bills, rehabilitation, and lost wages of the injured individual.
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.
This medical insurance can assist in easing a significant financial strain caused by unexpected medical expenditures due to an injury.
Individuals not in the professional game require insurance for soccer players. 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.
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 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.
Running a sports league or hosting a soccer tournament means 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 thus the need for soccer league insurance rises.
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 team insurance is meant to protect the persons that make up a football team and costs $40 a month or $480 a year.
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.
Here are reviews showing the best soccer insurance companies’ pros, cons, and monthly pricing for a $1 million general liability coverage.
Your football club insurance from CoverWallet has better coverage than any other insurance company.
Average cost: $39 per month
Our rating: 10/10
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.
Average cost: $45 per month
Our rating: 8/10
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
