Volleyball is an exceedingly popular physical activity among adolescents and is as fun as basketball. The Center for Disease Control and Prevention recommends volleyball as a great way to get regular physical activity that helps you maintain adequate body mass.
Over 3 million children under the age of 14 are injured playing sports every year. If you are the owner of a club, team, league, or camp for volleyball, you will want to consider volleyball insurance to protect against liability claims. In the sections below, the essential questions about volleyball insurance are covered, including:
The policies included in volleyball insurance
Their function and coverage limits
The cost of premiums
The best companies
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| 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 |
| 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 |
| Products and completed operations aggregate limit | $2,000,000 | $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 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 | $1,000,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included | No |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
Volleyball club insurance can greatly benefit from general liability coverage. It provides injury and property damage liability protection. Example situations where this insurance can help include:
A member of the public looking to join your volleyball club trips and falls while on your business property
Someone sues your club for infringing on their copyright with your logo design
General liability policies will typically have a $1 million per occurrence and a $2 million aggregate coverage.
If you customize your policy with add-ons, you will want to consider the following:
Equipment coverage–If you provide your volleyball club members with uniforms and sports equipment, you should get a policy to cover such items in case they get stolen or damaged
Hired/non-owned auto liability coverage–If your club travels and constantly hires or borrows a vehicle, this insurance can be used to cover the cost of third-party medical expenses in case an accident happens
Public liability insurance is a policy that covers claims made by the general public against your business. Example situations where this policy can help include:
A wet floor at your volleyball club or camp causes a visitor slip and fall
Your business causes property damage to someone’s window through it normal operations
Public liability insurance will often have $1 million-$2 million coverage during the length of the policy.
No, public liability insurance is more narrowly focused on public injury claims. General liability often includes public liability coverage and other options, making it a policy with broader coverage.
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Travel insurance is a policy that protects your volleyball team or club from the financial costs that come with traveling. Some examples include:
While traveling to a volleyball event, your team’s luggage gets lost
During a trip, one of your team members gets sick and needs medical treatment
Some typical coverage limits for travel insurance are outlined below:
| Baggage Loss | Medical Assistance | Trip Delay | Trip Cancellation | Cancel for any reason |
|---|---|---|---|---|
| $1,000 | $15,000 | $500-$2,000 | Refunds prepaid travel expenses | 50-75% of trip expenses |
If there is a foreseeable event that is preventing you from going on your trip, you will generally not be covered in that case. Expected events are also not covered, and reasons like fear of traveling to a place.
| CoverWallet | NEXT (Best) | Thimble | The Hartford | Hiscox | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $340,000 | $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 is excellent coverage for your volleyball club or volleyballcamp insurance. It helps you cover property damage to your business premises and any other property contained within. Examples include:
A fire damages your volleyball club building
Someone vandalizes your volleyball equipment
Your commercial property becomes stolen while on your business premises
Commercial property insurance will have an average coverage of $60,000. This number will change based on the value of your commercial building and its contents.
You will want to consider inland marine add-on coverage to protect your business property if it is used at other locations. This means you can get covered if you take your volleyball equipment to other places. Flood insurance could be another valuable add-on if your policy doesn’t already cover floodwater damage.
| 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 | $320,000 | $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 is an insurance coverage that combines commercial property and general liability insurance into one policy. You can also customize it further by adding more policies.
Business owner’s policy has a general liability coverage between $1 million-$2 million and commercial property coverage between $20,000 and $50,000.
To get coverage for BOP, you will typically need a business premise like a workspace or office and will need to have fewer than 100 employees.
