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

Table of contents

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  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


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 

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 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

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 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  Thimble Hiscox
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/$5,000 No
Miscellaneous equipment also covered? $5,000/$10,000 No Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes
Deductible $500 $500 $0


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.


Two men are wrestling on a blue and red court.


Youth Wrestling Insurance

Youth wrestling insurance covers athletes and facilities that participate in the sport of wrestling. You will need an accidental medical plan as well as general liability coverage. Accidents happen often in youth sports, so you will want a comprehensive program that can protect you from the unexpected. Some typical policy features of a youth insurance policy include:

Participant Medical Expense Benefit Participant Accidental Death Benefit Deductible
$25,000 $10,00 $100

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Wrestling Insurance Cost

Cost per Month Cost per Year Deductible
General liability insurance $60 $720 $0-$500
Commercial property insurance $70 $840 $1,000-$2,000
Business owner’s policy $120 $1,440 $1,500
Travel insurance $64 $768 $1,000
Commercial auto insurance $67 $804 $500-$1,000
Workers compensation insurance $120 $1,440 $1,000-$2,500


The average wrestling insurance cost is $60 per month or $720 per year for a $1 million general liability coverage. Factors that affect the cost of premiums are claims history, business history, policy limits, deductibles, location, and revenues. Here’s a table showing the cost of $1 million general liability insurance from companies we recommend:

Cost per Year Cost per month Best for
NEXT $35 $420 Best overall; Fastest general liability insurance
Hiscox $42 $504 Small wrestling club and team-focused policies
CoverWallet $46 $552 Comparing wrestling insurance quotes online
The Hartford $50 $600 Youth sports insurance
USA Wrestling $50 $600 Amateur league sports
Tivly $52 $624 Comparing wrestling insurance quotes over the phone
Thimble $55 $660 Getting your insurance certificate quickly
AAU Wrestling $30 per club + $16 per player/coach $360 per club+$192 per player/coach Sports accident coverage

Compare Cheap Wrestling Insurance Quotes Online

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

Best Wrestling Insurance Companies

Take a look at our reviews of the best wrestling insurance companies below. Each offers unique qualities and advantages that you will want to consider when buying your wrestling insurance. Proceed below to know their pros, cons, and average rate for a $1 million general liability insurance. 


NEXT Wrestling Insurance

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 protects your businesses, coaches, and players with the best overall wrestling insurance. They offer general liability, workers comp, business owner’s policy, and other essential wrestling insurance components. By combining different policies, you can save up to 25% on your business insurance. Next has an A- rating for financial security with AM Best and a B+ with the Better Business Bureau.

Best for: Best overall; Fastest general liability insurance

Average cost: $35 per month

Our rating: 10/10 


The Hartford Wrestling Insurance

Pros

  • Long history of insurance experience

  • Get a quote online

Cons

  • May not be ideal for large organizations

The Hartford offers many excellent wrestling insurance policies, including youth sports insurance that offers accident insurance for players. The company offers general liability, business owner’s policy, workers’ compensation, and more. The Hartford has 200 years of insurance experience under its belt and boasts an A- financial rating from AM Best.

Best for: Youth sports insurance

Average cost: $50 per month

Our rating: 10/10 


CoverWallet Wrestling Insurance

Pros

  • Top insurance carriers

  • Customize your policy

  • HNOA coverage automatically added to general liability insurance

Cons

  • Not an insurance company but an insurance broker 

CoverWallet is your digital wallet for your digital insurance marketplace. They offer a suite of policies that are great for your wrestling insurance, including sports team insurance. The sports team insurance bundles policies like general liability, commercial property, and workers’ compensation. CoverWallet has an A+ rating from AM Best.

Best for: Comparing wrestling insurance quotes online

Average cost: $46 per month

Our rating: 10/10 


Tivly Wrestling Insurance

Pros

  • Quotes are instant

  • Over 200 partners

Cons

  • No mobile app

Tivly is another digital platform that offers solutions-centric policies from their over 200 partners. These partners have a wide range of experience in different industries, and wrestling insurance policies benefit from the extensive selection. Tivly has policies like business owner’s policy, commercial property, general liability, workers comp, and more. Call now to compare quotes over the phone. 

Best for: Comparing wrestling insurance quotes over the phone

Average cost: $52 per month

Our rating: 10/10 


Thimble Wrestling Insurance

Pros

  • On demand coverage

  • Numerous add-ons to general liability insurance

  • Purchasing process is quick

Cons

  • You couldn’t contact support online

Thimble has a fast-moving insurance process that gets you a quote quickly and on your way to purchase an insurance policy and getting your certificate. They offer essential components of wrestling insurance like general liability, business owners’s policy, business equipment, and workers’ compensation insurance. You can also arrange a wrestling event insurance package consiting of liability, cancellation, and rental coverages.  They are a BBB-accredited business with an A+ rating. They also have an A rating from AM Best for financial strength.

Best for: Getting your insurance certificate quickly

Average cost: $55 per month

Our rating: 10/10


Hiscox Wrestling Insurance

Pros

  • Small-business focused

  • Offers coverage outside the US

Cons

  • Policies not offered in some states

At Hiscox you get a tailored insurance policy that is perfect for small businesses, teams, and club. They have agents available Monday through Friday who promise to get back to you within 24 hours. Hiscox offers general liability, workers’ compensation, and other policy options for your wrestling insurance. This company offers coverage in 14 countries and has over 100 years of experience. Hiscox boasts a solid A rating from AM Best.

Best for: Small wrestling club and team-focused policies

Average cost: $42 per month

Our rating: 10/10 


AAU Wrestling Insurance

Pros

  • Extended coverage program

  • General liability insurance with high limits

Cons

  • Must be an AAU member

AAU wrestling insurance is offered to athletes and nonathletes who are members of the Amateur Athletic Union. The policies cover a range of different sports, which covers sports accidents and general liability claims. They also offer an extended coverage program that covers an athlete who participates in non-AAU events. 

Best for: Sports accident coverage

Average cost: $30 per club + $16 per player/coach

Our rating: 8/10


USA Wrestling Insurance Coverage

Pros

  • High-performance wrestling

  • Secondary sports accident coverage

  • General liability

Cons

  • Must be a USA wrestling member

USA wrestling insurance offers high-performance athlete insurance for members of USA wrestling. They offer $100,000 maximum coverage in accident medical expense benefits with a $500 out-of-pocket deductible. You only have to pay $2,500 per injury as a maximum out-of-pocket expense

Best for: Amateur league sports

Average cost: $50 per month

Our rating: 8/10 

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