Are you an umpire looking to protect yourself from the unexpected? Accidents can happen at any time, whether you're calling the shots on the baseball diamond or officiating another sport or industry.
Understand that the host’s sports events insurance might not cover you in case something goes wrong. That's why umpire insurance is a must-have for anyone in this profession. But with so many policies and providers out there, it can be overwhelming to know where to start.
In this article, we'll break down the ins and outs of umpire insurance, including the types of coverage available, what they cover, and how much you can expect to pay. Plus, we'll share our top picks for the best companies offering umpire insurance, so you can find the perfect policy for your needs.
As an umpire, it's essential to consider getting insurance coverage to protect yourself in case of accidents. While accidents on the field may not happen often, they can be severe and result in medical expenses and legal fees. This is where umpire insurance comes in. While some sports leagues may require their officials to have insurance coverage, it's always a good idea to have insurance regardless of whether it's mandatory.
Umpire insurance is designed to cover umpires, referees, and judges working in various sports leagues. The insurance package includes several policies such as general liability, professional liability, accident medical, commercial property, business owners, travel, and commercial auto insurance.
CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | USSA | |
---|---|---|---|---|---|---|
Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
Aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 | $1,000,000/$2,000,000 | $5,000,000 |
Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 | $1,000,000 |
Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 | $1,000,000 |
Waiver of subrogation included? | Yes | No | Included | Can be included | No | No |
Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included | Excluded |
Abuse and molestation coverage included | Can be included | Yes | Can be included | Can be included | Can be included | Can be included |
Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included | Excluded |
General liability insurance for umpires is designed to protect umpires from lawsuits arising from their field actions. This insurance covers legal expenses, including court costs, settlements, and judgments arising from a claim against an umpire. Use the table above to see which insurance company offers the best general liability insurance for umpires.
The policy may also cover damages to property caused by the umpire while performing their duties. This insurance can help in situations where an umpire makes a call that results in a player or spectator getting injured or when an umpire causes damage to the field or equipment.
In addition to the standard coverage provided by general liability insurance, umpires can add additional coverage options to their policy to better protect themselves in specific situations. Here are some common add-ons to consider:
Additional Coverage Options | Description |
---|---|
Abuse and molestation coverage | Protection against allegations of abuse or molestation while on the job |
Equipment Coverage | Protects an umpire's equipment, such as their uniform, mask, and chest protector |
Hired and Non-Owned Auto Coverage | Protects in case an umpire is involved in an accident while driving a hired or non-owned vehicle for work purposes |
Excess liability coverage is an add-on to general liability insurance that provides additional coverage above and beyond the primary policy's limits. This coverage is essential for umpires working in high-risk sports leagues or events with more significant potential for large claims.
CoverWallet (Best) | NEXT | Thimble | Hiscox | The Hartford | |
---|---|---|---|---|---|
Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 | $1,000,000 |
Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $2,000,000 |
Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
Waiver of subrogation included? | Yes | No | Yes | Yes | No |
Deductible | $500 | $500 | $500 | $500 | $500 |
Professional liability insurance for umpires insurance provides coverage in case of professional negligence or errors made while performing their duties. This insurance is essential for umpires who risk facing lawsuits or claims from clients or players in case of a mistake, omission, or error resulting in financial loss or harm. Use the table above to see which insurance company offers the best professional liability insurance for umpires.
Professional liability insurance covers costs related to legal defense, settlement, and judgments that arise from claims of professional negligence or errors made while performing their duties.
Professional liability insurance for umpires can help in various situations, such as:
A player claims that an umpire's poor decision-making or judgment call caused them to lose a game, and they file a lawsuit
A coach claims that an umpire's lack of attention injured a player, and they file a lawsuit
A league or organization claims that an umpire failed to follow the rules and regulations, causing a financial loss, and they file a lawsuit
Even if your employer provides insurance coverage, it may not cover you in all situations, and it may have limits on coverage amounts. Having your own professional liability insurance can provide additional protection.
Get all the best quotes from leading providers in a click of a button!
Accidents can happen to anyone, including umpires. An umpire may suffer an injury during a game or practice session, leading to medical expenses and loss of income. Accidental medical insurance is an essential insurance policy for umpires who want to ensure their financial security while performing their duties on the field.
The coverage limits for umpire accident medical insurance can vary depending on the policy and the insurer. Generally, the coverage limit ranges from $25,000 to $100,000 per occurrence.
This insurance is designed to cover expenses not covered by the umpire's health insurance policy. The costs covered by accident medical insurance can include:
Hospitalization expenses
Doctor visits and treatments
X-rays and diagnostic tests
Ambulance services
Prescription medications
Physical therapy and rehabilitation
The situations where accident medical insurance can help umpires include injuries resulting from collisions with players, being hit by a ball, or slipping and falling on the field.
The requirement for umpires to have accident medical insurance varies depending on their league or organization. Some leagues or organizations may require their umpires to have this type of insurance, while others may not. It is always a good idea for umpires to have accident medical insurance to protect themselves in case of injury, regardless of whether it is required or not.
It depends on the insurance provider. Some insurance companies offer accident medical insurance for umpires as an individual policy, while others require affiliation with a league or organization. It is best to check with different insurance providers to see what options are available.
CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
---|---|---|---|---|---|
Building coverage limit (minimum) | $50,000 | $180,000 | $25,000/$500,000 | $35,000 | $25,000 |
Contents coverage limit (minimum) | $50,000 | $35,000 | $25,000/$500,000 | $35,000 | $15,000 |
Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Included |
Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Excluded | Included |
Money and securities | Excluded | $2,500 | $1,000 | Excluded | Included |
Lock and keys | Excluded | $2,500 | Excluded | Excluded | Included |
Business interruption floater | Excluded | Included | Included | Excluded | Included |
Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Included |
Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded | Excluded |
Commercial property insurance for umpires provides coverage for physical property owned by an umpire, covering costs associated with damage or loss caused by unexpected events like fire, theft, vandalism, or natural disasters. Use the table above to see which insurance company offers the best commercial property insurance for umpires.
This insurance covers repair or replacement costs of damaged or lost property and business interruption costs such as loss of income due to the temporary closure of an umpire's office or workspace.
Here are some examples of situations where commercial property insurance can be helpful for umpires:
A fire in an umpire's home office damages their computer and other equipment. Commercial Property Insurance can cover the cost of repairs or replacement of damaged items
An umpire's laptop is accidentally dropped and becomes unusable. commercial property insurance can cover the cost of repairs or replacement of the damaged device
The coverage limits for commercial property insurance for umpires may vary depending on the insurance provider and the umpire's specific needs. However, it is common to see coverage limits ranging from $100,000 to $1,000,000.
Some of the items typically covered under Commercial Property Insurance for umpires include
Computers and other electronic devices
Office furniture and equipment
Sports equipment, such as umpire gear and uniforms
Business inventory
Cash and other valuable items
CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
---|---|---|---|---|---|
General liability aggregate limit | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
Commercial property coverage limit | $50,000 | $180,000 | $25,000/$500,000 | $35,000 | $75,000 |
Optional policies can be added? | Yes | Yes | Yes | Yes | Yes |
Name additional insureds for free? | Yes | Yes | Yes | Yes | Yes |
BOP discount? | Yes | Yes | Yes | Yes | Yes |
Business Owner’s Policy (BOP) is an insurance package combining general liability and commercial property insurance. It provides comprehensive coverage at a lower cost compared to purchasing the two policies separately. Use the table above to see which insurance company offers the best BOP for umpires.
BOP for umpires covers property damage, bodily injury, and personal and advertising injury claims. It also covers damage or loss of valuable assets such as computers or other electronic devices, and damage to their workspace or office due to unforeseen events. BOP for umpires can help protect their business in situations such as:
Customer injuries on their premises
Damage to the property due to theft
Fire or natural disasters
Lawsuits resulting from advertising practices
The coverage limit for BOP is available at as low as $300,000/$600,000 or as high as $2 million/$4 million.
While both policies cover liability claims, a BOP combines general liability insurance with property insurance, offering comprehensive coverage for small businesses. General liability insurance only covers bodily injury, property damage, and personal and advertising injury claims.
Travel insurance for umpires is a type of insurance policy that covers medical expenses, trip cancellations, and other travel-related mishaps while umpiring at different locations.
The costs covered by travel insurance for umpires include emergency medical expenses, trip cancellations, trip interruptions, lost or stolen luggage, and emergency evacuations.
Travel insurance for umpires can help cover situations where umpires encounter unexpected travel problems, such as flight cancellations, lost or stolen luggage, or injuries while travelling.
The coverage limits for each type of coverage can range between 4 to 10% of the total trip cost.
It depends on your needs and travel habits. Purchasing travel insurance on a trip-by-trip basis may be more cost-effective if you only travel occasionally. However, an annual policy may be a better option if you travel frequently.
Some policies include coverage for trip cancellations due to illness or injury, while others may not. Reviewing the policy carefully and understanding the coverage before purchasing is essential.
Commercial Auto Insurance for Umpires provides insurance coverage for umpires who use their vehicles for work-related purposes. It covers the costs of damages or injuries from accidents while driving a commercial vehicle.
The insurance covers liability for bodily injury and property damage, collision, and comprehensive coverage for damage to the umpire's vehicle. This is essential for umpires who may be involved in a car accident while traveling to or from a game or driving during work. The coverage limits for each type of coverage can range from $15,000 to $1 million or more.
Baseball umpire insurance is a specialized insurance policy designed to protect umpires in case of accidents, injuries, or lawsuits that may arise while working in the baseball industry.The costs covered by baseball umpire insurance can vary depending on the policy purchased. Common inclusions are as follows:
$1 million general liability insurance
$1 million professional liability insurance
$10,000 accidental medical insurance
Travel insurance
Cost per Month | Cost per Year | Deductible | |
---|---|---|---|
General liability insurance | $48 | $576 | $0-$500 |
Professional liability insurance | $55 | $660 | $500-$1,000 |
Commercial property insurance | $80 | $960 | $1,000-$2,000 |
Business owner's policy | $118 | $1,416 | $1,500 |
Accidental Medical Insurance | $58 | $696 | $1,500 |
Travel Insurance | $75 | $900 | $1,500 |
The average umpire insurance cost is $48 per month or $576 per year for a $1 million general liability coverage. The premiums for umpire insurance can vary depending on several factors, including the level of coverage needed, the insurer, the location, and the type of activities involved. The table below shows the rates of the best companies:
Company | Cost per Month | Cost per Month | Best For |
---|---|---|---|
NEXT | $28 | $336 | Best overall; Fastest general liability insurance for umpires |
CoverWallet | $35 | $420 | Comparing umpire insurance quotes online |
The Hartford | $38 | $456 | Risk management tools |
Tivly | $41 | $492 | Comparing umpire insurance quotes over the phone |
Thimble | $44 | $528 | On-demand coverage |
Hiscox | $47 | $564 | Umpire insurance that automatically renews every year |
USSA | $80 | $960 | Umpire-specific coverage |
Get all the best quotes from leading providers in a click of a button!
Here are some of the best companies for umpire insurance. Read some of the reviews below to know their pros, cons, and average cost for a $1 million general liability coverage:
NEXT Insurance offers a range of policies for umpires, including general liability and workers' compensation
They offer online policy management tools, making it easier for businesses to manage their policies
NEXT Insurance is known for providing excellent customer service, with 24/7 phone or online chat support
Couldn’t find any
NEXT Insurance offers customizable policies for businesses, including umpire insurance. They provide general liability, workers' compensation, and commercial auto coverage. NEXT Insurance also offers 24/7 customer service and online policy management.
Best for: Best overall; Fastest general liability insurance for umpires
Average cost: $28 per month
Our rating: 10/10
Customizable policies that allow businesses to choose the coverage they need and adjust it as their needs change
Their online platform is user-friendly and easy to navigate, making it easy for businesses to manage their policies and claims
Compare quotes online
Not an insurance company but an insurance broker
CoverWallet offers customizable insurance policies for businesses, including umpire insurance. Their policies include general liability, property, and professional liability coverage. They also offer a user-friendly online platform for policy management and claims.
Best for: Comparing umpire insurance quotes online
Average cost: $35 per month
Our rating: 10/10
Hartford offers a range of policies for umpires, including general liability, professional liability, and commercial auto coverage
The company offers tools to help businesses mitigate potential risks
The Hartford offers flexible policy options tailored to meet each business's specific needs
While Hartford offers comprehensive coverage and flexible policy options, their pricing may be higher than other providers
The Hartford offers a range of insurance policies, including umpire insurance. Their coverage includes general liability, professional liability, and commercial auto coverage. They also offer risk management tools to help businesses mitigate potential risks.
Best for: Risk management tools
Average cost: $38 per month
Our rating: 10/10
Tivly offers cyber liability coverage, which can be important for online businesses
The company offers an easy online application process, which can make it simple and convenient for businesses to get coverage
Tivly offers customizable policies, allowing businesses to choose the coverage they need
Tivly may not offer as many coverage options as other providers, limiting their appeal for some businesses
Tivly offers customizable policies for businesses, including umpire insurance. They provide general liability, professional liability, and cyber liability coverage. Tivly also offers an easy online application process. Call a Tivly representative now to start comparing quotes over the phone.
Best for: Comparing umpire insurance quotes over the phone
Average cost: $41 per month
Our rating: 9/10
USSSA Umpire Insurance is designed to meet umpires' unique needs, providing liability and accident coverage for on-field injuries.
USSSA Umpire Insurance costs relatively low
The application process for USSSA Umpire Insurance is easy and can be completed online.
While USSSA Umpire Insurance provides coverage specifically for umpires, their policies may not cover all possible risks that an umpire may face.
USSSA provides coverage specifically for umpires. Their policies include liability and accident coverage for on-field injuries. USSSA Umpire Insurance also offers an online application process.
Best for: Umpire-specific coverage
Average cost: $80 per year
Our rating: 8/10
Thimble offers on-demand coverage that can be purchased hourly, daily, or monthly, making it a flexible option for umpires who only need coverage for specific events
Umpires can choose the policy length that best suits their needs, with options ranging from hourly to monthly coverage
Thimble offers an online platform for policy management, making it easy for umpires to update their coverage and manage their policies
May not be the most umpire insurance cost-effective option for longer-term coverage: Thimble's on-demand coverage can be more expensive in the long run compared to traditional annual policies
Thimble offers on-demand insurance policies, including umpire insurance. They provide general liability coverage with flexible policy lengths, from hourly to monthly coverage. Thimble also offers easy online policy management.
Best for: On-demand coverage
Average cost: $44 per month
Our rating: 9/10
Thimble offers on-demand coverage that can be purchased hourly, daily, or monthly, making it a flexible option for umpires who only need coverage for specific events
Umpires can choose the policy length that best suits their needs, with options ranging from hourly to monthly coverage
Thimble's on-demand coverage can be more expensive in the long run than traditional annual policies
Hiscox provides customizable policies for businesses, including umpire insurance. Their policies include general liability, professional liability, and cyber liability coverage. Hiscox also offers a user-friendly online platform for policy management.
Best for: Umpire insurance that automatically renews every year
Average cost: $47 per month
Our rating: 9/10
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!