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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:
Sports coach insurance is mostly sold depending on the type of coaching you undertake. If you are a tennis coach, you are going to need tennis coach insurance.
If you are a basketball trainer, you are going to need basketball trainer 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:
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.
If you are a boxing coach, you are going to need boxing coach insurance.
Public liability insurance for football 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 can also find cheap special event insurance online, which is a great option for temporary coverage.
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 football coach insurance, tennis coaches, and sports coaches is that it takes on all the financial consequences of risks faced during coaching activities.
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 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.
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:
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.
Get all the best quotes from leading providers in a click of a button!
You will find sports coaching company 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:
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.
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:
Once agents review this information, you will be presented with a list of options and amounts of coverage.
Average cost: $16 per month
Average cost: $20 per month
Average cost: $22 per month
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
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
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
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.
