Umpire Insurance: Cost and Quotes From $25/mo

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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  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.


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 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

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  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. 


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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A baseball player throws a ball to an umpire.


Accident Medical Insurance for Umpires

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.


Is Accident Medical Insurance for Umpires Mandatory?

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.


Can I Purchase Accident Medical Insurance for Umpires Without Being Affiliated With a League or Organization?

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.

Commercial Property Insurance for Umpires

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.


In What Situations Can Umpires Use Commercial Property Insurance

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.


What Items Are Typically Covered Under Commercial Property Insurance for Umpires?

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

Business Owner’s Policy for Umpires

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.


What is the Difference Between a BOP and a General Liability Insurance Policy?

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

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.


Do I Need Travel Insurance for Each Trip, or Can I Purchase an Annual Policy Covering Multiple Trips?

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. 


What Happens if I Cancel My Trip Due to an Illness That Prevents Me From Umpiring?

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

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

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

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Umpire Insurance Cost

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

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Best Companies for Umpire Insurance

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  Umpire Insurance

Pros

  • 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

Cons

  • 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


CoverWallet Umpire Insurance

Pros

  • 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

Cons

  • 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


The Hartford Umpire Insurance

Pros

  • 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

Cons

  • 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 Umpire Insurance

Pros

  • 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

Cons

  • 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

Pros

  • 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.

Cons

  • 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 Umpire Insurance

Pros

  • 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

Cons

  • 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


Hiscox Umpire Insurance

Pros

  • 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

Cons

  • 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

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