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
| 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
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.
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
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
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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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
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.
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.
| 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
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.
Yes, some policies allow you to get coverage and reimbursement for business property that you need to rent out.
| 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
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.
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.
| 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
Tools and equipment insurance will cover around $5,000 in equipment coverage and movable tools.
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
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 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 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.
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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 |
| 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 |
Get all the best quotes from leading providers in a click of a button!
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.
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 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
Long history of insurance experience
Get a quote online
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
Top insurance carriers
Customize your policy
HNOA coverage automatically added to general liability insurance
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
Quotes are instant
Over 200 partners
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
On demand coverage
Numerous add-ons to general liability insurance
Purchasing process is quick
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
Small-business focused
Offers coverage outside the US
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
Extended coverage program
General liability insurance with high limits
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
High-performance wrestling
Secondary sports accident coverage
General liability
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
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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