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Sports Team Insurance for Youth & Adult Clubs

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Sports involve competition, fitness, excitement, teamwork, winning, and losing. Indeed, sports is all about games and fun until an individual gets injured.

Players, fans, coaches, and other sports officers often enjoy the moment. But, sometimes, their expectations may be cut short and their happiness short-lived. Things can go awry during a sports activity.

Players face collisions while tackling, or a stray ball can hit a spectator. To prevent issues that may arise from these occurrences, you need sports team insurance. The right insurance for sports teams is crucial. In this guide, know what this insurance is, how much it costs, and more.


Also read:

Sports Liability Insurance

An injury or property damage claim can cost you a lot. So, it's crucial to take some time and learn about sports insurance for teams and clubs. Sports liability insurance is the basic coverage included in sports team insurance, sports club insurance, and others.

Sports liability insurance pertains to different insurance policies that shoulder the cost of lawsuits and compensation to third parties. Examples of liability insurance in sports are:


Public Liability Insurance for Sports Teams

This sport liability insurance protects against property damage or bodily harm. As a coach, you may be liable if your team member sustains an injury. A shot can break a glass or destroy someone's automobile during gameplay. As a player, you may injure another player, which may compel the person to take legal action against you.

As such, it's essential to have public liability insurance. With public liability insurance, you can pay if a third party makes a claim for property damage or bodily injuries. Indeed, this is the best insurance for coaches in sport.

General Liability Insurance for Sport Teams

General liability insurance covers lawsuits arising from property damage, personal injuries, and advertising injuries. It takes care of settlement and legal defense costs to the anguished party too.

Further, general liability insurance safeguards you if you experience a loss at your sports facility , rented or leased for sport-related events. For instance, if damage is incurred to the training ground, this insurance policy will reimburse the facility owner.

So how does general liability and public liability insurance differ? Let’s discuss their similarity first. General liability and public liability cover claims made by third parties as a result of property damage or bodily injuries.

However, unlike public liability, general liability can be added with optional policies to cater advertising injuries. Hence, both can cover third party claims but general liability has more inclusions.

Professional Liability Insurance for Sports Teams

Professional liability insurance is also known as errors and omissions insurance. It covers breaches, omissions, and errors and caters defense costs and the aggrieved party's settlement. Professional liability insurance covers lawsuits filed because of economic or financial loss, which violation of good faith or negligence caused.

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What Other Insurance Policies Do Sports Clubs, Teams, and Leagues Need?

Commercial Property Insurance

A commercial property insurance policy caters to all property a sports club and team owns or rents. It covers damage to business assets resulting from storms, lightning, vandalism, theft, and fire.

Note that damage resulting from floods or earthquakes is usually not covered. However, you can find insurance for sport with commercial property coverage that includes these.

Commercial Auto Insurance

Covers the vehicles borrowed, owned, or hired by the sports club or team. The job of this insurance policy is to shoulder costs if the sports club or team caused injuries with their vehicle. Moreover, commercial auto includes policies that pay for repair or replacement service if the vehicle is damaged due to vandalism, fire, theft, and collision.


Workers Compensation Insurance

The law expects all businesses with three or more workers to have worker's compensation insurance. The workers compensation insurance in sport teams and clubs caters to occupational injuries for players and workers. It also pays for lost wages, rehabilitation, and medical bills of the injured person.

Accident Medical Care

During youth and adult sports activities, injuries may occur. Accident medical insurance covers out-of-pocket medical bills a coach, player, volunteer, manager, and other team members incur while playing, practicing, or traveling for an event.




Sports Clubs Insurance

Carriers offered a tailored insurance product to sports clubs. Obviously, it is called sport club insurance or sporting club insurance. Let’s take a look at the sports insurance policies included:


General Liability Insurance

General liability insurance for sports clubs has a $1 million policy limit. This insurance for clubs can provide coverage if the sports club hosts events such as fundraisers, exhibition matches, etc., and third parties get injured or have their property damaged.


Commercial Property Insurance for Sports Clubs with Business Property or Rented Premises Coverage

Commercial property policy in club sports insurance provides protection for the club’s assets through its business property or rented premises coverage. The minimum limit of both coverages is $100,000 with a deductible of $500.


Business property coverage in commercial property insurance for sport clubs will shoulder costs if an owned building and other tangible assets become damaged because of fire, lightning, storm, vandalism, or theft. If the club doesn’t own the building, rented premises coverage takes care of the costs of the aforementioned perils.


Workers Compensation Insurance

Workers compensation insurance in sporting club insurance covers the staff running the club. Workers compensation insurance has no policy limits. Coverage only extends to occupational hazards. Through workers comp insurance, the club can compensate the cost of hospitalization and lost wages of injured employees.




Youth Sports Team Insurance

Youth teams in baseball, basketball, and soccer can purchase specialized insurance for youth sports teams. Policies included in youth sport insurance are shown in the following sections.


Youth Sports Liability Insurance for Teams

The table below shows the liability policies included in insurance for youth sports. Function and policy limits are also shown. Note that some liability policies in the table were not mentioned earlier:


Minimum Policy Limit Function
General Liability $1 million Covers claims made by third parties against the youth sports team
Directors and Officers Liability $1 million Shoulders costs if the youth sports teams’ directors and other officers are accused of committingmismanagement and other related offenses resulting in financial or economic loss
Employment Practices Liability $1 million Shoulders costs if the youth sports team is accused of wrongful termination, sexual abuse, and discrimination by an employee
Molestation and Abuse Insurance $1 million Shoulder costs if players file a claim against molestation or abuse committed by team managers, trainers, etc.

Note that, sometimes, in insurance for youth sports, molestation and abuse becomes a sports insurance coverage added to general liability insurance


Travel Insurance for Youth Sports Teams

Travel team sports insurance can be a stand-alone insurance or a policy included in insurance for youth sports teams. Rather than acting as an individual youth sports insurance, travel insurance provides coverage to all members of the team. In other words, this youth sports insurance policy functions as a grouped cover similar to company health insurance plans.


Specific coverages comprise travel insurance teams. Here’s a table showing them, their function, and policy limits:


Minimum Policy Limit Function
Accident Medical Care $100,000 Covers the cost of injuries incurred while traveling
Trip Cancellation $15,000 Provides reimbursement to non-refundable costs if the youth sports teams’ trip is canceled
Trip Interruption $10,000 Provides money so that the youth sports team can pay for lodging, emergency vehicle rental, and other extra expenses if the trip is interrupted


Commercial Auto Insurance for Youth Sports Teams

Commercial auto insurance is an optional youth sports insurance coverage. Usually, this is included if the youth sports team owns a vehicle such as a bus or van. Commercial auto insurance covers compensation to third parties if the youth sports teams’ vehicle causes an accident, and the cost of repair or replacement to reverse damage caused by collision, vandalism, theft, fire, storm, and lightning.




Insurance for Sports Leagues

Sports organizations and participating teams require league organizers to get insurance that will take care of situations such as stampedes, fire breakouts, player injuries, etc. In connection, the best protection is through tailored sports league insurance. Policies included are:

  • General liability insurance - $1 million minimum policy limit. Covers personal injury and property damage claims made by league players. At an additional cost, the policyholder can also cover claims from spectators

  • Crime insurance - $100,000 minimum policy limit. Compensates participating teams if someone steals, vandalizes, or burns their equipment or personal effects

  • Accidental medical coverage - $10,000 minimum policy limit. Covers injuries to participating teams. Also covers accidental death.

Professional Sports Insurance

Professional sports insurance, otherwise called professional sports athletes insurance, is tailored coverage for amateur and professional players. Coverage applies to baseball players, basketball players, lacrosse players, etc. This insurance offers the following policies:


Loss of Future Earnings

Provides an allowance if the sports athlete’s pay is cut or terminated due to injury or disability.


Loss of Endorsements

Provides money equal to lost income if the sports athlete is left by endorsers or sponsors because of involvement with drug abuse, drunk arrest, and public relations scandal.


Agents and Managers Coverage

Covers the payment to agents and managers while the sports athlete isn’t participating in sports and not making money.


Death and Dismemberment Benefits

Helps to relieve the financial burden on spouse and children if the sports athlete suffers from an absolute disability (e.g coma, amputation, etc.) or death.

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How Much Does Sports Team Insurance Cost?

Sports insurance is $30 a month or $350 a year for a $1 million general liability insurance. Location, experience, size, and payroll affect cost. Check the table below to see the pricing of the companies with the best sports team, league, and club insurance:


Monthly Rate Annual Rate Best for
CoverWallet $25 $300
Comparing sports team insurance quotes online
US Club $45 $540 Membership-based sports insurance
USASA
$48 $576 All-inclusive general liability insurance for sports clubs, teams, leagues, and players


Youth Sports Team Insurance Cost

Different factors impact the price of insurance for youth sports teams or clubs. But usually, a $1 million general liability insurance for youth sports teams is $27 a month or $324 a year.



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Best Sports Insurance Companies

Here are some reviews of the best sports team insurance companies. Read to know their pros, cons, and monthly pricing for a $1 million general liability coverage.


CoverWallet Sports Team Insurance


Pros

  • Simple online policy management

  • Best for comparing sports insurance quotes online

  • Offers three types of sports insurance policy

Cons

  • It's not an insurance company but a broker


CoverWallet offers more excellent insurance for sporting clubs than most of its competitors. The company provides the following options:

  • Basic (general liability only)

  • Standard (general liability + professional liability)

  • Pro (professional liability + general liability + workers' compensation + commercial property)

Coverage includes:

  • Any claims due to property damage, personal injury, and advertising injuries

  • Diseases or work-related injuries and ongoing medical care like rehabilitation

  • Business property damage, equipment failure, and natural disasters

Best for: Comparing sports team insurance quotes online

Average cost: $25 per month

Our rating: 10/10



US Club Sport Insurance for Teams and Clubs


Pros

  • Provides customized policies that take care of specific sports industry risks

Cons

  • Don't provide good insurance cover for non-members


The US Club provides sports members with liability and accident insurance cover if they take part in US Club sport-operated events.


Best for : Membership-based sports insurance for teams, clubs, and leagues

Average cost: $45 per month

Our rating: 8/10



USASA Insurance for Sports Teams and Clubs


Pros

  • Provides all-inclusive general liability insurance for sports clubs and teams

Cons

  • You can only file a claim in a traditional way


The USASA Risk Management program offers insurance coverage to member leagues, national organizations, non-member leagues, and players.


Best for: All-inclusive general liability insurance for sports clubs, teams, leagues, and players

Average cost: $48 per month

Our rating: 8/10



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