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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 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, let us help you know what this insurance is, how much it costs, and the best companies.
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 team 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:
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.
With public liability insurance, you can pay if a third party makes a claim for property damage or bodily injuries.
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 that’s rented or leased for sports-related events. For instance, if damage is incurred to the training ground, this insurance policy will compensate the facility owner.
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.
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.
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 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.
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 for the cost of hospitalization and lost wages of injured employees.
Youth Sports Team Insurance
Youth teams in baseball, and soccer can purchase specialized insurance for youth sports teams. Policies included in youth sport insurance are shown in the following sections.
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The table below shows the liability policies included in the best youth sports team insurance. 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 committing mismanagement 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. |
Travel team sports insurance can be a stand-alone insurance or a policy included in insurance for youth sports teams. 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 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:
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:
Provides an allowance if the sports athlete’s pay is cut or terminated due to injury or disability.
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.
Covers the payment to agents and managers while the sports athlete isn’t participating in sports and not making money.
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.
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 | ||
| CoverWallet | $25 | $300 | |
| US Club | $45 | $540 | |
| USASA | $48 | $576 |
Different factors impact the price of 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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CoverWallet offers more excellent insurance for sporting clubs than most of its competitors. The company provides various coverage options:
Average cost: $25 per month
Our rating: 10/10
The US Club provides sports members with liability and accident insurance cover if they take part in US Club sport-operated events.
Average cost: $45 per month
Our rating: 8/10
The US Club provides sports members with liability and accident insurance cover if they take part in US Club sport-operated events.
Average cost: $45 per month
Our rating: 8/10
The USASA Risk Management program offers insurance coverage to member leagues, national organizations, non-member leagues, and players.
Average cost: $48 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.
