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Umpire Insurance: Cost and Quotes From $25/mo

Table of contents
1. Do You Need Insurance as an Umpire?2. What is Umpire Insurance?3. General Liability Insurance for Umpires3.1. Add-Ons to General Liability Insurance for Umpires3.2. What is Excess Liability Coverage?4. Professional Liability Insurance for Umpires4.1. In What Situations Can Umpires Use Professional Liability Insurance?4.2. Do I Need Professional Liability Insurance for Umpires if My Employer’s Insurance Covers Me?5. Accident Medical Insurance for Umpires5.1. Is Accident Medical Insurance for Umpires Mandatory?5.2. Can I Purchase Accident Medical Insurance for Umpires Without Being Affiliated With a League or Organization?6. Commercial Property Insurance for Umpires6.1. In What Situations Can Umpires Use Commercial Property Insurance6.2. What Items Are Typically Covered Under Commercial Property Insurance for Umpires?7. Business Owner’s Policy for Umpires7.1. What is the Difference Between a BOP and a General Liability Insurance Policy?8. Travel Insurance for Umpires8.1. Do I Need Travel Insurance for Each Trip, or Can I Purchase an Annual Policy Covering Multiple Trips?8.2. What Happens if I Cancel My Trip Due to an Illness That Prevents Me From Umpiring?9. Commercial Auto Insurance for Umpires10. Baseball Umpire Insurance10.1. Umpire Insurance Cost11. Best Companies for Umpire Insurance11.1. NEXT  Umpire Insurance 11.1.1. Pros11.1.2. Cons11.2. CoverWallet Umpire Insurance 11.2.1. Pros11.2.2. Cons11.3. The Hartford Umpire Insurance 11.3.1. Pros11.3.2. Cons11.4. Tivly Umpire Insurance 11.4.1. Pros11.4.2. Cons11.5. USSSA Umpire Insurance 11.5.1. Pros11.5.2. Cons11.6. Thimble Umpire Insurance 11.6.1. Pros11.6.2. Cons11.7. Hiscox Umpire Insurance 11.7.1. Pros11.7.2. Cons

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.

Do You Need Insurance as an Umpire?

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. 


What is Umpire Insurance?

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.


General Liability Insurance for Umpires


CoverWallet NEXT (Best)Thimble HiscoxThe HartfordUSSA
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?YesNoIncludedCan be includedNoNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be includedExcluded
Abuse and molestation coverage includedCan be includedYesCan be includedCan be includedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be includedExcluded


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.


Add-Ons to General Liability Insurance for Umpires

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 OptionsDescription
Abuse and molestation coverageProtection against allegations of abuse or molestation while on the job
Equipment CoverageProtects an umpire's equipment, such as their uniform, mask, and chest protector
Hired and Non-Owned Auto CoverageProtects in case an umpire is involved in an accident while driving a hired or non-owned vehicle for work purposes

What is Excess Liability Coverage?

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.


Professional Liability Insurance for Umpires


CoverWallet (Best)NEXT Thimble HiscoxThe 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?YesYesYesYesYes
Waiver of subrogation included?YesNoYesYesNo
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. 


In What Situations Can Umpires Use Professional Liability Insurance?

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


Do I Need Professional Liability Insurance for Umpires if My Employer’s Insurance Covers Me?

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.

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