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Sports activities are dangerous as accidents can easily happen. In turn, your sports facility can be sued for the injuries of the participants and spectators. Specialized sports centre insurance protects you against the resulting costs.
Read this guide to know Sports facility insurance works, how much it costs, and the best companies. We’ll also discuss the specialized insurance for water sports centers, climbing walls, indoor sports centers, and soccer fields.
All carriers allow you to get a general liability policy from your sports facility insurance. General liability insurance provides protection when you’re sued for personal injuries or property damage. It will :
General liability insurance only provides coverage if the personal injury or property damage claim is filed by someone who isn’t directly associated with your sports facility’s day-to-day operations. Examples are vendors, participants, spectators, and clients.
General liability insurance can also apply to open-air structures like pavilions, often referred to as sports pavilion insurance.
Indoor sports facility insurance is a tailored protection for facilities used for badminton, tennis, volleyball, basketball, gymnastics, and other indoor sports.
General liability insurance for indoor sports facilities covers property damage or personal injury claims resulting from spectators. It has a $1 million-$2 million per occurrence limit. Participant accident coverage can be added to its terms.
Liquor liability insurance is offered as a stand-alone coverage. This has a $500,000-$2 million per occurrence limit. Other inclusions in an indoor sports facility insurance plan are workers compensation, commercial property, and employer’s liability insurance.
In addition, Sports hall insurance is a type of tailored protection for facilities used for sports like badminton, tennis, volleyball, and basketball.
Understand that commercial property insurance only helps if damage or destruction is caused by any of the following risks:
Commercial property insurance can be added with contents coverage. Contents coverage will reimburse losses if sporting equipment, installations, fixtures, documents, and other valuables in your sports facility are damaged or destroyed by the above perils.
In a replacement cost coverage, commercial property insurance refunds the original market value of a covered property. And so, you also get $1 million from commercial property insurance if your sports facility is worth $1 million.
Water sports centre insurance is a protection carriers especially underwrite for sports facilities used for kayaking, fishing, swimming, waterskiing, and other water sports.
A public liability policy is available from water sports centre insurance plans. Similar to general liability insurance, this covers personal injury and property damage claims. This has a $1 million-$2 million per occurrence limit.
Buying workers’ compensation insurance is the best way for your sports facility to compensate an injured or sick employee without incurring losses. Particular costs this insurance covers are the following:
Workers’ comp insurance for sports facilities cost $1 per covered payroll.
Climbing wall insurance is a specialty coverage for sports facilities that host rock climbing training and sports activities. The general liability policy included in a rock climbing wall insurance plan will have a $1 million-$2 million per occurrence limit.
Accident medical coverage works in tandem with general liability insurance. This covers injuries and dismemberment. It provides $5,000-$25,000 coverage for medical expenses. In case of death, accident medical coverage gives a $5,000 cash as compensation for funeral costs.
Excess liability insurance for rock climbing facilities supplement the limits of general liability insurance. It provides $1 million-$10 million additional layer of coverage.
It is available if your sports facility owns cargo vans, pickups, buses, or any other vehicles used for sporting activities. Commercial auto insurance offers various types of coverages such as:
Auto liability coverage in commercial auto insurance only covers the vehicles registered under your sports facility’s name.
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Employer’s liability insurance covers expenses if an employee sues your sports facility for negligence after sustaining a work-related injury or disease. Sometimes offered as an optional coverage in workers’ compensation insurance, this covers settlements, attorney fees, administrative costs, and other legal expenses.
Soccer field insurance
Football field insurance is a specialized protection for football or soccer facilities.
The general liability insurance for soccer fields has a $2 million-$5 million per occurrence limit. Limits can be customized to meet the requirements of soccer sports events.
On average, a $1 million general liability policy costs $25 per month or $300 per year. Note that this is just an estimate. Your actual rates can be cheaper or more expensive.
There’s no fixed rate for sports facility insurance because there are a lot of factors to consider such as building size, location, claims history, business history, types of sports activities, and more.
NEXT sports facility insurance is great if you’re looking for a general liability policy with custom limits.
This company’s general liability insurance can have a $500,000 limit or $1 million limit. Also, the language of professional liability insurance can be added to its terms.
Average cost: $20 per month
CoverWallet covers recreational sports facilities as well as the sports facilities owned by sports clubs. Policies available are general liability insurance, workers compensation insurance, directors and officers liability insurance, and professional liability insurance.
Average cost: $23 per month
You have to call Tivly® to know if your sports facility can be covered. Policies available are general liability, workers compensation, commercial auto, commercial property, and more.
Average cost: $25 per month
Similar to US Club, USASA isn’t an insurance company but an organization providing tailored coverage for soccer teams who own sports facilities. It only offers two types of business insurance- general liability and personal accident..
Average cost: $38 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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