The sports world is quite litigious. With significant financial investment at play and the ever-present potential of personal glory, it is no wonder that performers often file lawsuits against their coaches.
This litigious culture has seeped into tennis coaching. A player will sue you because of injury during training, failure to achieve set milestones, or destruction or theft of their tennis equipment placed in your care.
Similar to working as a boxing coach or football coach, it would be unwise without having the proper insurance coverage. As a service provider, you want to stay proactive in protecting yourself and your tennis coaching business in case one of your players alleges injury or property damage. That's where tennis coach insurance comes in.
Tennis instructor insurance is a specialized cover for tennis coaches and trainers meant to cover lawsuits, business income loss, and other exposures. When the unexpected happens in the course of your coaching, the tennis coach insurance steps in to cushion you and your business from severe financial impact and hit to your reputation.
While there are various types of tennis coach insurance policies you could purchase, it would help if you considered building your tennis coaching insurance package with the following.
Suppose, during training, you instruct one of your players to attempt a strenuous exercise, and they fall and suffer injury. What if one of your players or a member of the public within the shared spaces trips over a ball bag you had left precariously on the ground, and they suffer serious injury?
All of these represent situations where your tennis coaching business could get sued and essentially where tennis coach liability insurance steps in.
Tennis coach general liability insurance is a specialty cover meant to offer your tennis coaching business comprehensive protection against the cost of defending your business against allegations that a third party suffered injury or property damage due to your work-related activities.
To understand best what tennis coach general liability policy offers your business, it is best that you first understand the burden that the law places on your business. Particularly, you've got to understand what duty of care entails.
Regardless of the state where you practice your tennis coaching, the law holds you primarily responsible when conducting business with any third party. There are three types of risks that a general liability policy will typically cover. These include:
Compensatory damages that pertain to costs the court or client demands you to pay after causing bodily injuries or property damage
General damages which include any indirect losses that an aggrieved party might claim they suffered, including pain and suffering, frustration, or anguish
Legal costs arising from putting up the defense against the claim lodged against you or your tennis coaching business. Note that even if the ruling of the lawsuit was in your favor, the legal fees, including filing and lawyer fees, could take a toll on your finances.
Overall, tennis coach general liability insurance caters to all costs arising from claims of bodily injury and property damage or any other sort of undesirable occurrence during your normal business activities. Note that this policy automatically comes with public liability coverage.
General liability insurance is available as a short-term policy. Short-term general liability insurance for tennis coaches, sports coaches, and health coaches grants protection against claims for bodily injuries or property damage for hours, days, weeks, or months. This is useful as emergency coverage for complying with the requirements of coaching events.
An additional tennis coach insurance policy you must look into purchasing is professional liability insurance, also called professional indemnity or errors & omissions (E&O) insurance.
By the very nature of professional services, and in this case, tennis coaching, you run the risk of your customers alleging acts involving negligence, errors, or omissions. While offering professional advice or contractual services to your players, you could be held liable for the following:
Breach of contract
Failure to meet deadlines
Substandard work
Errors or oversight
Incomplete work
Often these claims will morph into legal cases which attract attorney fees and court costs, including filing fees and settlements. Other than the looming financial losses, you stand to suffer damage to your reputation, all of which threaten business closure.
Seeing as you run the risk of both real and perceived problems, the best course of action would be to invest in professional indemnity insurance for tennis coaches. With standard coverage, you are sufficiently covered in the event that one of your clients claims damages or financial losses as a result of the services you provided.
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Consider purchasing workers' compensation insurance if your tennis coaching business has one or more employees. It is prudent to mention that most states require you to get this coverage.
A workers' compensation policy caters to all work-related illnesses or injuries for full-time and part-time employees. The benefits of this policy include the following:
Lost wages
Medical expenses
Death benefits
Retraining and rehabilitation
This means, for instance, that if one of your trainers were to be hit by a tennis ball during a coaching session, the insurer will provide financial support to cater for the medical attention he or she needs. Additionally, the employee will continue to receive disability benefits and embark on rehabilitation without you having to pay out of pocket for any of these.
This policy is mandatory as failure to comply attracts state fines and, in worst-case scenarios, litigation. Sometimes, authorities might even prevent you from doing business.
Further, you ought to consider investing in a commercial property policy for tennis coaches, because you heavily rely on physical location and equipment.
This insurance helps you to operate without interruptions when something happens to your property. Commercial property insurance reimburses losses if your office, equipment, and other valuables get damaged or lost due to a covered peril. Often, perils covered include fires, theft, vandalism, and extreme weather occurrences.
Suppose you offer private tennis lessons and you transport your tennis equipment to and fro the client's home or private members' club. In such a scenario, you still want to protect your equipment and any other forms of business properties while in transit. Unfortunately, commercial property insurance wouldn't cover these, thus necessitating further investment in an inland marine insurance policy.
What if your tennis coaching business offers its clients lockers or storage areas where they are meant to stow their personal belongings during a coaching session temporarily?
In such a case, you ought to consider getting bailee's customer insurance. Most insurers will not offer this policy as a standalone cover. Instead, it will often be included as part of commercial property or inland marine insurance. This policy ensures that your business is protected in the event that any of your client's property placed under your care is damaged or lost.
Do you own an auto and use that for work? If such is the case, you might find commercial auto insurance useful.
Personal auto insurance won’t provide coverage if something happens while you’re using a vehicle for work. In contrast, commercial auto insurance does. Here are its most common functions:
Pay the medical treatment of third parties who sustain bodily injuries or property damage because of your vehicle
Cover the cost of repairs or replacement if your vehicle gets damaged because of a collision, fire, theft, vandalism, and other covered perils
In the event of vehicular accidents caused by a driver with no insurance or no adequate coverage, cover your own medical treatment and the passengers as well
Reimburse vehicle rental expenses or public transportation costs while your car is at the mechanic
Additional tennis coach insurance covers to consider purchasing include:
Business income insurance-Also sold as business interruption insurance, this policy provides coverage in the event of loss of income. Additionally, it covers the operating expenses in the event you are unable to provide tennis coaching due to your business being temporarily out of service due to covered perils.
Commercial crime insurance-This policy protects your tennis coaching business from financial losses as a result of criminal acts, including forgery, robbery, burglary, theft, and employee dishonesty.
Business owner's policy (BOP)-To secure a bargain when it comes to tennis coach insurance costs, you want to combine several types of covers into a BOP. Typically, the BOP will encompass general liability, commercial property, business income, and extra expense coverage. If you are just starting out as a tennis coach or working with a tight budget when it comes to premiums, then a BOP is the best option for you.
| Cost per month | Cost per Year | |
|---|---|---|
| General liability insurance | $39 | $468 |
| Professional liability insurance | $46.66 | $559.92 |
| Workers compensation insurance | $89 | $1,068 |
| Business owner’s policy | $44 | $528 |
General liability insurance for tennis coaches is $39 per month or $468 per year for a $1 million coverage. This estimate assumes that you have 5 employees and make $500,000-$750,000 per year.
The tennis coach insurance cost you pay is reliant on your location, the amount of liability risk you want to cover, and your annual revenue. Evidently, each tennis coaching business will attract a different premium, seeing as these factors will vary.
In order to provide you with a better perspective on tennis coach insurance costs, here's a breakdown of the quotes from some of the reputable insurance companies offering comprehensive coverage:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $25 | $300 | Best overall; Fastest general liability insurance for sports coaches |
| CoverWallet | $29.58 | $354.96 | Tennis coach insurance quotes comparison online |
| Tivly | $31 | $372 | Comparing tennis coach insurance quotes over the phone |
| Hiscox | $34 | $408 | General liability insurance with worldwide coverage for tennis coaches |
| Thimble | $38 | $456 | Short-term general liability insurance for tennis coaches |
| Protectivity | $42 | $504 | Flexible payment plans |
| SportsCover Direct | $44 | $528 | Commercial property insurance for tennis coaches |
Get all the best quotes from leading providers in a click of a button!
Given the risks you face in the tennis coaching landscape, you ought to work with the best in the market. Here's a list of the best tennis coach insurance companies available.
Best overall
Get an online proof of insurance and send as a text message, email, or social media post
Fastest general liability insurance for tennis 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
Couldn’t find any
NEXT covers tennis coaches through its sports coach insurance program, which offers three coverage options-basic, premiere, and deluxe. You might need to contact NEXT’s partner, Tivly, to get the details of your tennis coach insurance quote.
Best for: Best overall; Fastest general liability insurance for tennis coaches
Average cost: $25 per month
Our rating: 10/10
Cancel a coverage anytime
Compare tennis coach insurance quotes online
General liability insurance comes with terrorism coverage
You can bundle different insurance products in a custom insurance plan
Not an insurance company but an insurance broker
CoverWallet doesn’t have a specialized tennis coach insurance program. Nonetheless, this company can cover you through its customized coverage for sports and recreation instructors. Policies you can get are professional liability insurance, workers compensation insurance, business owner’s policy, and more.
Choose CoverWallet because it has an online quotes comparison platform. Use this to find which coverage options provide the best protection at a reasonable rate. Moreover, this company’s online quotes comparison tool shows policy limits and insurance perks you’ll enjoy.
Note that CoverWallet isn’t an insurance company. It only sells and manages the insurance products of Chubb, Hiscox, Liberty Mutual, CNA, and other partners.
Best for: Tennis coach insurance quotes comparison online
Average cost: $29.58 per month
Our rating: 10/10
Responsive customer service
Call and compare tennis coach insurance quotes over the phone
A partner of reputable insurance companies
You need to call to get a quote
Tivly works with NEXT and other reputable insurance companies to cover tennis coaches, football coaches, and other types of sports coaches. Policies you can get from this company are general liability, workers compensation, commercial auto, and other business insurance policies. Call Tivly now to talk with a representative and compare tennis coach insurance quotes over the phone.
Best for: Comparing tennis coach insurance quotes over the phone
Average cost: $31 per month
Our rating: 9/10
14-day money-back guarantee
Online quote in minutes
Swift cover
Worldwide coverage
Negative reviews from customers on BBB
Hiscox provides coverage to tennis coaches through its sports instructor and trainer’s insurance program. Policies available are general liability, professional liability, cyber liability, and business owner’s policy.
Hiscox’s general liability insurance has a $300,000-$1 million per occurrence limit.Professional liability insurance has a $1 million per occurrence limit. Cyber liability insurance, on the other hand, has a $250,000 per occurrence limit. You get to choose how much coverage to have from your insurance policies.
Best for: General liability insurance with worldwide coverage for tennis coaches
Average cost: $34 per month
Our rating: 9/10
Stand-alone general liability insurance might include coverage for equipment breakdown and property of others in your custody
Choose between $1 million-$2 million general liability limits
Choose between $25,000-$500,000 commercial property limits
Short-term general liability insurance is available
You can’t reach customer service by calling
Thimble covers you through its instructor’s insurance program. Policies available are general liability, professional liability insurance, and business owner’s policy. We suggest you go for a BOP rather than a stand-alone general liability policy because you also get coverage for business interruption, accounts receivable, off-premises business property aside from coverage to the office and its contents.
Best for: Short-term general liability insurance for tennis coaches
Average cost: $38 per month
Our rating: 9/10
Flexible payment plans
Excellent claims handling
Fast and straightforward process
Competitive prices
24-hour turn-round for quotes
Protectivity has industry specialists on board to help tailor a tennis coach insurance policy
Policyholders are charged a cancellation fee
Protectivity's tennis coach insurance offering includes:
Public liability coverage with policyholders having the option of choosing between $1 million and $10 million limit
Equipment coverage subject to the value of your equipment
Professional indemnity coverage
Personal accident cover
Participant injury liability cover
You simply need to fill out the quote form on Protectivity's official website, and a personalized quote will be delivered to your inbox. A representative will contact you over the phone to discuss which coverage options would be best suited for your business.
Prospective policyholders will find the Protectivity website easy to use. The website features clear guidance, great help prompts, and a very easy step-by-step process that makes purchasing insurance a breeze.
For this company’s tennis coach insurance coverage, you will pay $42 per month or $504 annually. You are encouraged to get in touch for a custom quote.
Best for: Flexible payment plans
Average cost: $42 per month
Our rating: 9/10
Secure online transactions
Online purchase 24/7
Documents are issued immediately
Excellent claims handling
Easy-to-navigate website
International coverage
No summary of covers in the policy documents
SportsCover Direct covers up to 500 sports activities, including tennis coaching. The tennis coach insurance package is underwritten by AXA, which translates to significant financial strength.
What makes SportCover Direct tennis coach insurance offer stand out is their commercial property coverage limits. Specifically, tennis coaches can have their equipment covered for up to $30,000. Additionally, policyholders can add personal accident coverage as part of their policy package.
Best for: Commercial property insurance for tennis coaches
Average cost: $44 per month
Our rating: 7/10
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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