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.
NEXT | Thimble | Hiscox | The Hartford | |
---|---|---|---|---|
Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 | $5,000-$10,000 |
Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No | Yes |
Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes | Yes |
Offered as an endorsement to general liability insurance? | Yes | Yes | Yes | Yes |
Deductible | $500 | $500 | $0 | $0 |
Tools and equipment insurance covers the costs to repair or replace your business property when it is damaged or stolen. Examples include:
Your volleyball equipment gets damaged by a fire and needs to be entirely replaced
A power outage causes a piece of equipment to malfunction
You will find movable tools insured for under $10,000 and other equipment between $2,500 and $5,000.
Equipment breakdown insurance is a good add-on for your volleyball insurance policy. This lets you get coverage for equipment breakdowns resulting from internal forces like power surges and mechanical breakdowns. You might also want to consider getting commercial auto insurance that protects your vehicles when they get into an accident.
Your volleyball insurance might need to cover things like scoreboards, serving machines, safety pads, volleyballs, ball pumps, and personal training equipment.
Workers' compensation is a policy that pays out benefits to employees when they are injured or contract an illness. Examples include:
A sports trainer breaks their ankle by tripping
One of your employees develops a chronic back condition from their job duties
Yes. In most states, you are required to purchase a workers comp policy if you have employees that qualify for the coverage.
Typically, the responsibility first falls onto the employee to report a workplace accident to an employer or supervisor. Employees can often contact the insurance company directly through an injured employee hotline if they have not received medical treatment.
Volleyball tournament insurance covers various activities that you might engage in during a volleyball tournament. This consists of general liability, accidental medical insurance, cancellation insurance, and rental equipment insurance.
Youth volleyball insurance is insurance that covers the liabilities that come from youth volleyball clubs or camps that focus on teaching kids how to learn the fundamentals of the sport. Policies included in this are general liability, commercial property, professional liability, and abuse and molestation insurance.
Cost per Month | Cost per Year | Deductible | |
---|---|---|---|
General liability insurance | $30 | $360 | $0-$500 |
Commercial property insurance | $45 | $540 | $1,000-$2,000 |
Business owner's policy | $75 | $900 | $1,500 |
Tools and equipment insurance | $90 | $1,080 | $500-$1,000 |
Workers compensation insurance | $110 | $1,320 | $2,500-$5,000 |
The average volleyball insurance cost is $30 per month or $360 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, and location. Here’s a table showing a further idea of the cost of insurance for volleyball clubs, teams, and camps by comparing the cost of $1 million general liability insurance from companies we recommend:
Cost per Month | Cost per Year | Best for | |
---|---|---|---|
NEXT | $15 | $180 | Best overall; Fastest general liability insurance |
The Hartford | $17 | $204 | Industry experience |
CoverWallet | $19 | $228 | Comparing volleyball insurance quotes online |
Tivly | $21 | $252 | Response time for volleyball insurance policies |
Thimble | $25 | $300 | On-demand coverage for volleyball teams and clubs |
Hiscox | $32 | $384 | Liability insurance with worldwide coverage for volleyball teams and clubs |
Get all the best quotes from leading providers in a click of a button!
See our reviews of the top companies that offer the policies you need for your volleyball insurance policy below. Our reviews outline the positives and negatives of each company and their average rates for a $1 million general liability insurance:
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
NEXT is an online-focused insurance company that provides component policies for you volleyball insurance. You get coverage for general liability, workers’ comp, commercial property, and more. They have an established financial history, earning them an A- with AM Best. Next has a B+ rating with the Better Business Bureau and has been accredited since 2018.
Best for: Best overall; Fastest general liability insurance
Average cost: $15 per month
Our rating: 10/10
Provides insurance for over 200 years
Has a mobile app
Renowned company for workers comp insurance
Customer service not available 24/7
The Hartford provides essential policies for your volleyball insurance like business owner’s policy, general liability, and workers' compensation insurance. They connect you to a business agent and offer articles to help you learn about the insurance you need. They have an A+ rating from AM Best and have been a provider of insurance for over 200 years.
Best for: Industry experience
Average cost: $17 per month
Our rating: 10/10
Optimized coverage for sports teams and clubs
Compare quotes online
HNOA coverage automatically included in general liability insurance
Not an insurance company but an insurance broker
CoverWallet has coverage with a sports team and club focus, with policies like general liability, workers' compensation, and commercial property. They have participant liability insurance that also protects the spectators as well as the team. Coverwallet is a digital insurance platform with an A+ rating and accreditation with the Better Business Bureau.
Best for: Comparing volleyball insurance quotes online
Average cost: $19 per month
Our rating: 10/10
Grants coverage regardless of how poor your risk profile is
200 partners offered
Compare quotes over the phone
Call to start a quote
Tivly is an insurance marketplace with over 200 partners to choose from. They offer general liability, commercial property, and workers comp policies that will work for volleyball insurance. Tivly has an A rating with the BBB. Call now to compare quotes over the phone.
Best for: Response time for volleyball insurance policies
Average cost: $21 per month
Our rating: 10/10
Great mobile app
Quick to issue an estimate of your rates
Sells a short-term general liability policy
You can’t reach customer service by calling
Thimble offers a sports camp insurance policy that acts as a type of business owner’s policy that covers general liability, commercial property, and business interruption insurance. You also get optional policy options like equipment breakdown and auto insurance. Thimble has an A+ rating with AM Best.
Best for: On-demand coverage for volleyball teams and clubs
Average cost: $25 per month
Our rating: 10/10
Get discounts for bundling multiple policies
Coverage can extend outside the US
14-day money-back guarantee
Online quoting is not available all the time due to periodic site maintenance
Hiscox offers customized policies for your small volleyball business. They have sports general liability insurance that takes into account your personal situation, as well as policies like workers' compensation. Hiscox has served over 500,000 customers and has an A rating with AM Best.
Best for: Liability insurance with worldwide coverage for volleyball teams and clubs
Average cost: $32 per month
Our rating: 10/10
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!