Water Polo Insurance for Teams & Clubs: Cost & Quotes From $35/mo

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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.

General Liability Insurance for Water Polo Teams and Clubs

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 of General Liability Insurance 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.


Add-Ons to  General Liability Insurance for Water Polo Teams and Clubs

  • 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

What Happens if a Spectator Is Injured During a Water Polo Match?

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 for Water Polo Teams and Clubs

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. 


Coverage Limits of Public Liability Insurance for Water Polo Teams and Clubs

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.


What Injuries Are Covered Under Public Liability Insurance for Water Polo Teams and Clubs?

Public liability insurance covers many injuries, including accidental collisions, slip and fall accidents, and other incidents resulting in bodily harm to third parties.


Professional Liability Insurance for Water Polo Teams and Clubs

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.


Coverage Limits of Professional Liability Insurance for Water Polo Teams and Clubs

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.


Add-Ons to Professional Liability Insurance for Water Polo Teams and Clubs

  • Abuse and molestation coverage protects against claims related to allegations of abuse or molestation by coaches or staff members

What is the Importance of Professional Liability Insurance for Water Polo Teams and Clubs?

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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Commercial Property Insurance for 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
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 of Commercial Property Insurance for Water Polo Teams and Clubs

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.

 

Add-Ons to Commercial Property Insurance for Water Polo Teams and Clubs

  • 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

What Property Types Are Covered Under Commercial Property Insurance for Water Polo Teams and Clubs?

Commercial property insurance covers many assets, including buildings, pool facilities, equipment, office furniture, and other property owned by water polo teams and clubs.


Man holding a ball near a swimming pool.


Business Owner’s Policy for 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.


Coverage Limits of Business Owner’s Policy for Water Polo Teams and Clubs

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.


Add-Ons to Business Owner’s Policy for Water Polo Teams and Clubs

  • 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

Is a Business Owner’s Policy Necessary for Small Water Polo Teams or Clubs?

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.


Tools and Equipment Insurance for Water Polo Teams and Clubs

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. 


Coverage Limits of Tools and Equipment Insurance for Water Polo Teams and Clubs

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. 


Add-Ons to Tools and Equipment Insurance for Water Polo Teams and Club

  • 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

Can Tools and Equipment Insurance Cover Damage Cause by Regular Wear and Tear?

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 for Water Polo Teams and Clubs

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. 


Coverage Limits of Commercial Auto Insurance for Water Polo Teams and Clubs

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.

 

Add-Ons to Commercial Auto Insurance for Water Polo Teams and Clubs

  • 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

Are Personal Vehicles Used by Team Members Covered Under Commercial Auto Insurance?

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 for Water Polo Teams and Clubs

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.


Coverage Limits of Workers Compensation Insurance for Water Polo Teams and Clubs

The coverage limits for workers wompensation policies within water polo insurance vary based on state regulations and the specific policy chosen. 


Add-Ons to Workers Compensation Insurance for Water Polo Teams and Clubs

  • 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

Are Volunteers and Interns Covered Under Workers Compensation Insurance?

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 for Water Polo Teams and Clubs

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.


Coverage Limits of Accidental Medical Insurance for Water Polo Teams and Clubs

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.


 Add-Ons to Accidental Medical Insurance for Water Polo Teams and Clubs

  • 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

Does Accidental Medical Insurance Cover Pre-existing Conditions?

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.

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Water Polo Insurance Cost

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

Compare Cheap Water Polo Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

Best Water Polo Insurance Companies

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:


NEXT

Pros 

  • 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 

Cons 

  • 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


CoverWallet

Pros 

  • 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

Cons 

  • 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


The Hartford

Pros 

  • 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

Cons 

  • 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


Tivly

Pros 

  • Customized coverage options for water polo teams and clubs.

  • Competitive pricing for insurance coverage.

  • Specialized expertise in ensuring water polo activities.

Cons 

  • 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

Pros 

  • 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

Cons 

  • 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


Hiscox

Pros 

  • 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

Cons 

  • 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

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