Sports Coaching Insurance: Liability & Quotes From $11/month

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As a sports coach, you get to pass your love for the game and inspire players under you to bring out their very best. Regardless of the type of sports coaching, you provide guidance, training, and development to the players you work with. 

Similar to being a health coach or a career coach,  there are hidden dangers to being a sports coach. Some of the common reasons why you could get sued as a sports coach include:

  • Using equipment deemed unfit 
  • Inappropriate or inadequate care in an emergency situation 
  • Having an injured player participate
  • Injury sustained during transportation to and from practice or a game 

Sports coach insurance is mostly sold depending on the type of coaching you undertake. If you are an athletic coach, you are going to need running coach insurance.

Sports Coach Liability Insurance 

Players can file a claim against you if an accident happens during practice, and they get injured or sustain property damage. This is why you need a general liability insurance policy. 

General liability insurance protects you against claims for bodily injuries or property damage that clients, contractors, and other third parties file. Other exposures covered in the language of general liability insurance are:

  • Copyright infringement, slander, or libel
  • Products and completed operations
  • Liability over damaged to a rented space
  • Accidents caused by a hired/borrowed commercial vehicle

 

General liability  might come with sexual abuse and molestation coverage. The coverage takes care of settlements, defense costs, and court judgments if a fitness trainer or sports coach is accused of sexually harassing or assaulting a client. 

Public Liability Insurance for Sports Coaches 

Public liability insurance for sports coaches covers a third party’s claim for bodily injuries or property damage. This is offered as part of a general liability policy in the USA. This isn’t commonly offered as a stand-alone policy in long-term business insurance plans.  However, you get this as a stand-alone coverage in short-term insurance products or events insurance.

 

Professional Indemnity Insurance for Sports Coaches 

Professional Indemnity Insurance protects you and your business in the event of claims of negligence, mistakes, or failure to deliver your professional duties as stipulated within your contract.

The essence of general liability and professional indemnity insurance for sports coaches, tennis coaches, and football coaches is that it takes on all the financial consequences of risks faced during coaching activities. 

Workers Compensation Insurance for Sports Coaches

This policy protects your business in the event one of the experts in your employment gets injured while dispensing duties related to your coaching business. The policy meets the costs of treatment and lost wages. 

Employer’s Liability Insurance for Sports Coaches

Employer’s liability insurance is usually offered as part of workers’ compensation insurance. Some insurance companies give you the liberty of removing it to make workers comp insurance cheaper while others don’t. 

Employment Practices Liability Insurance

Another policy that provides help when employment-related claims are filed is employment practices liability insurance. Employment practices liability insurance covers costs when employees file a claim and accuse you of:

  • Retaliation
  • Exploitation
  • Sexual harassment
  • Failure to promote
  • Negligent hiring
  • Verbal abuse
  • Discrimination
  • Wrongful termination
  • Other violations of employee rights.

Personal Accident Insurance for Sports Coaches

As highlighted, sports coaching is a physical activity, and there is a chance that you or key members of your staff might be injured while coaching. As such, consider getting personal accident insurance aside from workers’ compensation insurance. 

The policy covers all the medical bills, lost wages, and other costs that result from a work-related accident. 

 

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Commercial Property Insurance for Sports Coaches 

You will find commercial property insurance handy for insuring the office and sports equipment. Commercial property insurance will reimburse your loss if business properties get damaged or lost because of:

  • Fire
  • Theft
  • Vandalism
  • Lightning
  • Sinkhole collapse
  • Other covered perils

Additionally, Commercial property insurance might also come with an inland marine insurance floater. An inland marine insurance floater reimburses your losses if work equipment gets damaged or lost during a trip. 

Sports Coach Insurance Cost 

Expect to pay $34 per month or $408 per year for a $1 million general liability insurance.  This sports coach insurance cost estimate assumes that you have 5 employees and make $500,000-$750,000 per year. Carriers calculate the premiums you pay based on several factors, including:

  • Years of experience
  • Number of employees
  • Claims history
  • Policy limits chosen

 

Best Sports Coach Insurance Companies 

NEXT 

NEXT’s sports coaching insurance offering is customizable. To get set up with a policy, you are first required to offer information on your sports coaching business. This is considered the first step in filing out NEXT’s online instant quote. 

Once agents review this information, you will be presented with a list of options and amounts of coverage. 

Average cost: $16 per month 

Our rating: 10/10

Pros

  • Best overall
  • Fastest general liability insurance for sports 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

Cons

  • Couldn’t find any

CoverWallet 

CoverWallet doesn’t have a specialized sports coach insurance program. Instead, you get covered through its sports educator and instructor insurance plan. Policies you can get are general liability insurance, workers compensation insurance, professional liability insurance, and more. 

Average cost: $20 per month

Our rating: 10/10

Pros

  • Stable rates
  • Compare sports coach insurance quotes online
  • General liability insurance comes with hired/non-owned auto liability coverage
  • Easy online policy management
  • Cancel your coverage anytime

Cons

  • Not an insurance company but an insurance broker

 

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Tivly 

It covers a wide range of businesses. Reputable insurance companies will refer you to this company if they can’t provide coverage. Tivly policies for sports coaches include general liability, commercial property, workers compensation, and others. 

Average cost: $22 per month

Our rating: 10/10

Pros

  • Responsive customer service
  • Call and compare sports coach insurance quotes over the phone
  • A partner of many reputable insurance companies

Cons

  • You need to call to get a quote

 

Thimble 

Thimble grants coverage through its instructor insurance program. Policies you can get are general liability and workers compensation insurance. 

Thimble also gives you the liberty of adding an equipment breakdown floater and customer property floater to general liability insurance. 

Average cost: $26 per month

Our rating: 9/10

Pros

  • General liability insurance is available as a stand-alone policy
  • Quick to issue an estimate of your rate
  • Floaters can be added to general liability insurance

Cons

  • You can’t reach customer service by calling

 

Hiscox 

Hiscox covers you through its sports instructor insurance package. It allows you to upgrade your policies for comprehensive coverage. You get a 5% discount if you bundle two or more insurance products. 

Average cost: $28 per month

Our rating: 9/10

Pros

  • Worldwide coverage
  • Upgradeable policies
  • 5% discount if you bundle two or more policies
  • 14-day money-back guarantee

Cons

  • You can’t get commercial property insurance as a stand-alone policy

 

Protectivity Insurance 

Protectivity is a leading market player in the sports coaching insurance landscape. Its sports coaching policy is underwritten by AXA, meaning that policyholders will be working with an insurer with good financial standing. Business insurance limits can be up to $10 million. 

Average cost: $34 per month 

Our rating: 8/10

Pros 

  • International coverage
  • Excellent claims handling
  • Online purchase are available 24/7
  • Range of cover offered, with the option of customization
  • Insurance documents readily available

Cons 

  • No summary of covers in the policy document

 

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