Water polo is an exciting and physically demanding sport that requires teams and clubs to prioritize safety. One essential aspect of ensuring the well-being of players, sports coaches, and spectators is having appropriate insurance coverage. Water polo insurance provides financial protection for accidents, injuries, property damage, and other unforeseen incidents. In this article, we will explore the different types of insurance policies available for water polo teams and clubs, their coverage limits, specific situations where they can help, available add-ons, factors affecting insurance costs, and the best insurance companies in the industry.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $2,000,000 | $1,000,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Advertising injury coverage aggregate limit | $1,000,000 | $1,000,000 | $2,000,000 | $1,000,000 | $1,000,000 |
| Tenant’s legal liability coverage limit | $300,000/$1,000,000 | $300,000 | $100,000 | $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 | No | Can be included | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included | Can be included |
| Can you get a certificate of insurance online? | Yes | Yes | Yes | Yes | Yes |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Deductible | $0 | $0 | $0 | $0 | $0 |
General liability insurance is a fundamental policy that covers the legal costs and damages associated with third-party bodily injury or property damage claims. This insurance can be crucial in mitigating financial risks for water polo teams and clubs.
Coverage limits typically range from $1 million to $5 million, providing substantial protection in case of bodily injury or property damage claims.
Additional insured coverage protects venue owners, sponsors and other third parties you might work with
Participant accident coverage provides medical expense coverage for injuries sustained by players during practices or games
If a spectator is injured during a water polo match, general liability insurance can cover their medical expenses and any potential legal claims, protecting the team or club from financial liability.
Public liability insurance covers third-party bodily injury or property damage claims from water polo activities. This coverage is automatically made part of a general liability policy. US companies rarely sell public liability insurance as a stand-alone policy.
Water polo insurance policies for public liability typically offer coverage limits ranging from $1 million to $5 million. These limits provide significant financial protection in the event of legal claims.
Public liability insurance covers many injuries, including accidental collisions, slip and fall accidents, and other incidents resulting in bodily harm to third parties.
| CoverWallet | NEXT | Thimble (Best) | 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 |
| Name additional insureds? | Yes | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included | No |
| HIPAA coverage included? | No | No | No | No | No |
| Sexual misconduct coverage included? | No | No | No | No | Can be included |
| License defense coverage included? | No | No | No | No | Can be included |
| Deductible | $500 | $500 | $500 | $50/$10,000 | $500 |
Professional liability insurance, or errors and omissions insurance, covers claims related to professional negligence, errors, or omissions committed by water polo coaches, trainers, or staff members.
The coverage limits for professional liability insurance within water polo insurance can vary based on the specific policy and insurer. Generally, it ranges from $1 million to $5 million, providing substantial protection against claims arising from professional negligence.
Abuse and molestation coverage protects against claims related to allegations of abuse or molestation by coaches or staff members
Professional liability insurance is crucial for water polo teams and clubs. It protects against claims arising from professional negligence or errors committed by coaches or staff members, ensuring financial security and peace of mind.
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| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
| Lock and keys | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Business interruption floater | Excluded | Included | Included | Included | Excluded |
| Equipment breakdown floater | Excluded | Included | Excluded | Excluded | Excluded |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Included | Excluded |
Commercial property insurance covers the physical assets owned by water polo teams and clubs, including buildings, equipment, and other property. Perils covered arez fire, theft, vandalism, lightning, and falling objects.
Coverage limits for commercial property insurance vary based on the value of the insured property and the specific policy. Nonetheless, minimum coverage limits are $25,000-$60,000.
Business interruption coverage compensates for lost income and additional expenses when water polo activities are interrupted due to covered perils
Equipment breakdown coverage covers the repair or replacement costs for essential equipment, such as timing systems or lighting, in case of breakdown or mechanical failure
Commercial property insurance covers many assets, including buildings, pool facilities, equipment, office furniture, and other property owned by water polo teams and clubs.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | The Hartford | |
|---|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $260,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Contents coverage limit (minimum) | $50,000 | $22,000 | $25,000/$500,000 | $25,000 | $60,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Excluded | Excluded |
| Accounts receivable | Excluded | Excluded | $5,000/10,000 | Included | Excluded |
| Money and securities | Excluded | $2,500 | $1,000 | Included | Excluded |
Water polo insurance offers a comprehensive business owner's policy (BOP) designed specifically for water polo teams and clubs. This policy combines general liability and commercial property insurance into a single package, providing comprehensive coverage for the unique needs of water polo organizations.
The coverage limits for a business owner's policy vary depending on the specific policy and insurer. It typically includes general liability coverage ranging from $1 million to $5 million and property coverage based on the value of the insured property.
Liquor liability coverage protects against claims from selling or serving alcoholic beverages during water polo events or social gatherings
Cyber liability coverage helps cover expenses associated with data breaches, cyberattacks, or unauthorized access to sensitive information
Yes, a business owner's policy benefits small water polo teams or clubs by combining essential coverages, such as general liability and property insurance, into a cost-effective package, providing comprehensive protection against common risks.
| 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 tools, gear, and equipment used by water polo teams and clubs, providing financial protection against loss, theft, or damage. Some insurance companies offer this as an add-on to general liability insurance or commercial property insurance.
The coverage limits for tools and equipment insurance vary based on the value of the insured items and the specific policy. However, expect to receive a $2,500-$25,000 minimum coverage.
Rental reimbursement offers reimbursement for renting temporary replacement equipment in case of covered losses
Inland marine insurance covers costs if your tools and equipment get damaged or lost during transport
Tools and equipment insurance typically does not cover regular wear and tear damage. It focuses on sudden and accidental damage, theft, or loss of water polo equipment.
Commercial auto insurance protects water polo teams and clubs against potential risks associated with their vehicles used for transportation, including vans, buses, or other vehicles used for team travel and equipment transport.
You can use this insurance to cover the cost of accidents that your commercial vehicle caused. This can also cover repair expenses if your vehicle sustains damaged due to collisions, fire, theft, vandalism, and other covered perils.
The coverage limits for commercial auto insurance depend on various factors, such as the value of the insured vehicles, coverage options chosen, and the specific policy.
Uninsured/Underinsured motorist coverage protects against damages caused by drivers without insurance or insufficient coverage
Hired and non-owned auto coverage extends to vehicles rented and personal vehicles used for team purposes
Personal vehicles used by team members for team-related activities may be covered under the hired and non-owned auto coverage add-on.
Workers compensation insurance is essential for water polo teams and clubs as it covers work-related injuries or illnesses sustained by players, coaches, trainers, and other team personnel. This type of insurance typically includes benefits such as coverage for medical expenses, disability income, rehabilitation, and death benefits, offering financial support and assistance to individuals affected by work-related incidents in the water polo industry.
The coverage limits for workers wompensation policies within water polo insurance vary based on state regulations and the specific policy chosen.
Employer's liability coverage–Offers protection against lawsuits filed by employees claiming negligence or other legal liabilities
Occupational accident insurance–Supplements workers compensation coverage by providing additional benefits for accidental injuries
The coverage for volunteers and interns may vary depending on state regulations and the specific policy. In some cases, they may be covered under workers compensation insurance, while separate liability coverage may be required in other instances.
Accidental medical insurance is designed to cover medical expenses resulting from accidental injuries sustained by water polo team members. It helps ensure that players receive prompt medical attention and necessary treatment without significant financial burdens.
The coverage limits for accidental medical insurance may vary depending on the specific policy and coverage options selected. It typically includes benefits for hospitalization, surgical procedures, diagnostic tests, ambulance services, and follow-up care.
Emergency medical evacuation offers coverage for emergency medical transportation to the nearest appropriate medical facility in case of severe injuries that require specialized care
Dental coverage covers dental injuries resulting from accidents during water polo activities
Accidental medical insurance typically focuses on covering injuries resulting from accidents rather than pre-existing conditions. Therefore, pre-existing conditions are generally not covered under this type of insurance.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $35 | $420 | $0-$500 |
| Professional liability insurance | $40 | $480 | $1,000-$2,000 |
| Commercial property insurance | $52 | $624 | $1,000-$2,000 |
| Business owner's policy | $70 | $840 | $1,500 |
| Tools and equipment insurance | $39 | $468 | $500-$1,000 |
| Commercial auto insurance | $56 | $672 | $500-$1,000 |
| Workers compensation insurance | $85 | $1,020 | $2,500-$5,000 |
| Excess liability insurance | $42 | $504 | $500-$1,000 |
The average water polo insurance cost is $35 per month or $420 per year for a $1 million general liability policy. Here are some factors that affect premium:
Size of the team or club–The number of participants in your water polo team or club can influence the insurance cost. Larger teams or clubs may have higher premiums due to the increased exposure to potential risks
Coverage limits–The coverage limits you choose for your water polo insurance policy can impact costs. Higher coverage limits generally result in higher premiums as they offer greater financial protection
Level of coverage–The types of insurance coverage you select for your water polo team or club will affect the cost. Policies that include comprehensive coverage options, such as general liability, professional liability, and commercial property insurance, may have higher premiums than basic coverage
Deductibles–The deductible is the amount you are responsible for paying before the insurance coverage kicks in. Choosing a higher deductible can help lower the premium, but it means you will have to pay more out of pocket in the event of a claim
In connection, here’s a table showing the cost of a $1 million general liability policy from the best water polo insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $18 | $216 | Best overall; Fastest general liability insurance for water polo teams and clubs |
| CoverWallet | $20 | $240 | Comparing water polo insurance quotes online |
| The Hartford | $26 | $312 | Industry expertise and customized coverage |
| Tivly | $26 | $312 | Comparing water polo insurance quotes over the phone |
| Thimble | $29 | $348 | Flexibility and short-term coverage for water polo teams and clubs |
| Hiscox | $32 | $384 | Customized coverage and risk management expertise |
Get all the best quotes from leading providers in a click of a button!
When selecting the best insurance company for water polo teams and clubs, several reputable providers offer comprehensive coverage options. Here are some of the top insurance companies worth considering. Read some of the reviews below to know their pros, cons, and average rate for a $1 million general liability policy:
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 a modern insurance company that understands the evolving needs of business owners in today's world. They prioritize being there for you when it counts. They also recognize that life can have unexpected challenges and strive to provide prompt and efficient claims processing, often making decisions within 48 hours. Their dedicated team of professionals, supported by advanced technology, is committed to guiding you through the claims process and getting you back on track as quickly as possible.
Best for: Best overall; Fastest general liability insurance for water polo teams and clubs
Average cost: $18 per month
Our rating: 10/10
Comprehensive coverage options for water polo teams and clubs
User-friendly online platform for easy insurance management
Customizable policies tailored to specific needs
Competitive pricing for affordable solutions
Not an insurance company but an insurance broker
CoverWallet offers a wide range of insurance options, including specialized coverage for water polo teams and clubs. Their comprehensive insurance solutions encompass general liability, workers' compensation, commercial property, business owner's policy (BOP), professional liability, and more. With their expertise in various industries, including sports and recreation, CoverWallet understands the specific insurance needs of water polo organizations.
Best for: Comparing water polo insurance quotes online
Average cost: $20 per month
Our rating: 10/10
Established and reputable insurance company with a long history of providing coverage
Offers customizable insurance policies tailored to the specific needs of water polo teams and clubs
Provides comprehensive coverage options to protect against various risks and liabilities.
Offers competitive pricing and flexible payment options
Excellent customer service and claims handling process, ensuring a smooth experience in case of any incidents
Access to additional resources and risk management tools to help prevent accidents and mitigate risks
Coverage options and availability may vary depending on the location and specific requirements of the team or club
The Hartford, a trusted insurance company with over 211 years of experience, is dedicated to underwriting human achievement. They provide individuals and businesses, including water polo teams and clubs, with the support and protection necessary to pursue their unique ambitions and overcome unexpected challenges. Hartford's commitment to integrity and transparency is evident in its leadership team, which inspires and upholds the values of acting with integrity and winning the right way.
Best for: Industry expertise and customized coverage
Average cost: $23 per month
Our rating: 10/10
Customized coverage options for water polo teams and clubs.
Competitive pricing for insurance coverage.
Specialized expertise in ensuring water polo activities.
You need to call to compare quotes
At Tivly, businesses in the water polo industry can benefit from a unique two-sided marketplace that connects them with insurance providers specializing in water polo insurance. Tivly aims to simplify the insurance process and create positive experiences for businesses and providers.
Through Tivly's platform, businesses gain access to a diverse network of over 200 insurance agents, brokers, and carriers actively seeking customers in the water polo industry. This marketplace allows businesses to explore various insurance options and find coverage that meets their specific needs for water polo activities. Call now to compare quotes over the phone.
Best for: Comparing water polo insurance quotes over the phone
Average cost: $26 per month
Our rating: 9/10
Thimble offers flexible insurance options tailored to your specific needs, allowing you to choose the coverage that suits your water polo team or club
It provides a fast and easy application process, allowing you to get insurance coverage quickly without the hassle of lengthy paperwork.
Thimble offers competitive and affordable insurance rates, allowing you to obtain comprehensive coverage for your water polo team or club without breaking the bank
Thimble primarily offers short-term insurance policies, which may not be suitable for those seeking long-term coverage for their water polo team or club
Thimble is an insurance company offering short-term and long term policies. Policies you can avail are general liability, commercial property, workers comp, and others. This company’s general liability insurance offers numerous add-ons. Moreover, you can pause or cancel it anytime.
Best for: Flexibility and short-term coverage for water polo teams and clubs
Average cost: $29 per month
Our rating: 9/10
Offers comprehensive insurance coverage tailored to the specific needs of water polo teams and clubs, protecting against various risks and liabilities
Provides reliable coverage and excellent customer service
While the cost may vary depending on factors such as the size of your team and coverage limits, Hiscox offers competitive pricing for its insurance policies
Hiscox's online resources and tools for managing policies and filing claims may not be as extensive as other insurance companies
Hiscox understands the unique risks various industries face, including water polo teams and clubs. It offers tailored insurance coverage specifically designed for water polo organizations. They aim to protect businesses, such as water polo teams and clubs, and provide the necessary support and inspiration for success.
Best for: Customized coverage and risk management expertise
Average cost: $32 per month
Our rating: 9/10
1 / 5
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.
1 / 5
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
1 / 5
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.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
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!
Not all those who wander are lost.
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