Wrestling Insurance for Professionals and Youth: Cost & Quotes From $35/mo

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

For your best business protection and savings, we recommend bundling GL with some other important coverages on one Business Owners Policy!

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Table of contents
1. General Liability Insurance for Wrestling 1.1. Coverage Limits of General Liability Insurance for Wrestling1.2. Add-Ons to General Liability Insurance for Wrestling2. Public Liability Insurance for Wrestling 2.1. What is More Commonly Offered, Public Liability or General Liability?3. Travel Insurance for Wrestling 3.1. Coverage Limits for Travel Insurance3.2. Add-Ons for Travel Insurance4. Commercial Property Insurance for Wrestling 4.1. Commercial Property Insurance coverage limits4.2. Can I Get Coverage Even for Rented Items?5. Business Owner’s Policy for Wrestling5.1. Coverage Limits for Business Owner’s Policy5.2. Add-Ons to Business Owner’s Policy6. Tools and Equipment Insurance for Wrestling 6.1. Coverage Limits of Tools and Equipment Insurance for Wrestling 6.2. Add-Ons to Tools and Equipment Insurance for Wrestling 6.3. Is My Equipment Covered When It is Off My Business Premises?7. Workers Compensation Insurance for Wrestling 8. Wrestling Club Insurance9. Youth Wrestling Insurance10. Wrestling Insurance Cost11. Best Wrestling Insurance Companies11.1. NEXT Wrestling Insurance 11.1.1. Pros11.1.2. Cons11.2. The Hartford Wrestling Insurance 11.2.1. Pros11.2.2. Cons11.3. CoverWallet Wrestling Insurance 11.3.1. Pros11.3.2. Cons11.4. Tivly Wrestling Insurance 11.4.1. Pros11.4.2. Cons11.5. Thimble Wrestling Insurance 11.5.1. Pros11.5.2. Cons11.6. Hiscox Wrestling Insurance 11.6.1. Pros11.6.2. Cons11.7. AAU Wrestling Insurance 11.7.1. Pros11.7.2. Cons11.8. USA Wrestling Insurance Coverage 11.8.1. Pros11.8.2. Cons

According to Statista, only around 20 percent of the US population engages in sports and exercise each day. Wrestling can be an excellent sports activity to get exercise and stay healthy despite it being an extremely contact sport just like boxing. However, there are risks involved with wrestling as well. The National Institutes of Health released a report that found that the largest concussion rates in sports were from men’s wrestling.

To protect players, teams, and clubs, you will want to invest in a good wrestling insurance policy. This article will explain everything you need to know about wrestling insurance

General Liability Insurance for Wrestling 

CoverWallet NEXT (Best)Thimble HiscoxThe 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
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
Waiver of subrogation included?YesNoIncludedCan be includedNo
Hired/non-owned auto liability coverage included?YesNoExcludedCan be includedCan be included
Equipment breakdown floater included?No YesYesCan be includedCan be included

Wrestling insurance will often be paired with general liability protections. This policy protects a team, player, or club from third-party injury claims and property damage. Examples of when to use this policy include:

  • A player knocks into a spectator during a match and causes them to injure their back

  • A team causes damage to a locker room through rowdy celebrating after a match

Coverage Limits of General Liability Insurance for Wrestling

The coverage limits for general liability are $1 million per occurrence and $2 million in the aggregate, but higher limits are possible depending on the policy.

Add-Ons to General Liability Insurance for Wrestling

Some add-ons for general liability you might consider include:

  • Umbrella policy–An umbrella policy covers additional coverage to ensure that you have coverage even when you exceed the scope of your coverage limits

  • Advertising injury–Protects the policyholder against copyright infringement, slander and other types of personal injury claims

Public Liability Insurance for Wrestling 

Pro wrestling insurance will use public liability protection to cover incidents from the general public. This type of insurance protects you from third-party claims in situations like:

  • Someone slips and falls on your commercial wrestling property, suing you for the injury

  • A fixture from your property falls on a member of the public, prompting a lawsuit

What is More Commonly Offered, Public Liability or General Liability?

You will find that general liability policies are more common than public liability policies because general liability covers more situations. For this reason, public liability is often a part of general liability policy.

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Travel Insurance for Wrestling 

You might want traveling coverage as a part of your pro wrestling event insurance. Travel insurance helps you cover the costs of traveling to a wrestling event. Things like lost luggage, cancellations, and medical injuries sustained on the trip are covered. Example situations include:

  • You pre-pay for a wrestling trip but have to cancel. If you cancel for a covered reason, you may be able to get covered for a refund

  • The team loses their luggage while traveling, which needs to be replaced

Coverage Limits for Travel Insurance

Travel insurance coverage limits will depend on the price of your trip. Some policies will cap out at $10,000 for a short trip, but longer trips will offer a higher maximum.

Add-Ons for Travel Insurance

If you are traveling to a foreign country, an injury or sickness add-on can help cover your medical expenses that a normal health insurance plan may not cover on your trip.

Commercial Property Insurance for Wrestling 

CoverWalletNEXT (Best)ThimbleThe HartfordHiscox
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 signsExcluded$2,500ExcludedExcludedIncluded
Accounts receivable ExcludedExcluded$5,000/$10,000ExcludedIncluded
Money and securitiesExcluded$2,500$1,000ExcludedIncluded
Lock and keys Excluded$2,500ExcludedExcludedIncluded
Business interruption floaterExcludedIncludedIncludedExcludedIncluded
Equipment breakdown floaterExcludedIncludedExcludedExcludedIncluded
Inland marine insurance floaterExcludedExcluded$10,000ExcludedExcluded
Employee dishonesty floaterExcluded$5,000$2,500ExcludedExcluded

Commercial property coverage for professional wrestling insurance protects any commercial buildings and personal property that you use during business operations. Examples include:

  • Your wrestling club building gets flooded and needs repaired

  • Someone breaks into your wrestling building and steals team equipment

Commercial Property Insurance coverage limits

On average, a commercial property policy will have an average coverage limit of $60,000. This limit will increase based on the value of your property.

Can I Get Coverage Even for Rented Items?

Yes, some policies allow you to get coverage and reimbursement for business property that you need to rent out.

Business Owner’s Policy for Wrestling

CoverWalletNEXT (Best)Thimble The HartfordHiscox
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?YesYesYesYesYes
Name additional insureds for free?YesYesYesYesYes
BOP discount?YesYesYesYesYes

Business owner’s policy is an excellent choice because it combines multiple policies into one. It will have general liability coverage, commercial property insurance, and possibly more. Examples of when to use this coverage are listed below.:

  • Your wrestling club is accused of stealing their logo from someone else and gets sued

  • The players on your team accidentally cause a leg injury to a bystander at a wrestling event

Coverage Limits for Business Owner’s Policy

Business owner’s policy will have limits for general liability between $1 and $2 million on average, as well as a commercial property coverage of $60,000.

Add-Ons to Business Owner’s Policy

Commercial crime insurance can be a smart add-on for sporting businesses like wrestling because it covers you if an employee decides to steal team secrets, employee dishonesty, and theft of company funds.

Tools and Equipment Insurance for Wrestling 

NEXT ThimbleHiscox
Aggregate limit$3,000/$10,000$2,500/$5,000$15,000/$25,000
Covers hired and borrowed equipment?$3,000/$10,000$2,500/$5,000No
Miscellaneous equipment also covered?$5,000/$10,000NoYes
Offered as an endorsement to general liability insurance?YesYesYes

Tools and equipment insurance provides protection when your wrestling equipment gets physically damaged or stolen. Example situations include:

  • A wrestler's headgear is stolen after a meet

  • One of your wrestling training dummies becomes damaged and needs replaced

Coverage Limits of Tools and Equipment Insurance for Wrestling 

Tools and equipment insurance will cover around $5,000 in equipment coverage and movable tools.

Add-Ons to Tools and Equipment Insurance for Wrestling 

  • Equipment breakdown coverage helps you cover mechanical failures from causes like power outages

  • Inland marine insurance covers equipment that you need to be transported over the land, like on a truck or by train

Is My Equipment Covered When It is Off My Business Premises?

Yes, equipment that is off business premises is generally covered by this insurance policy. Unlike commercial property insurance, your business property doesn’t need to be on your premises to stay covered.

Workers Compensation Insurance for Wrestling 

Workers' compensation insurance is a policy that covers any employees that you have as part of your wrestling club or team. Employees that are injured on the job receive a disability benefit or medical benefit to help them compensate for the injury. See below for some example situations.

  • A coach that you hire hurts that back one day at practice and needs medical treatment

  • One of your employees at your wrestling club slips on a ladder and is unable to work due to this injury

Wrestling Club Insurance

Wrestling club insurance will often consist of general liability coverage and accident insurance coverage. These policies protect participants from claims like property damage, advertising injury, personal injury, and medical expenses from competing.