Proper insurance is essential for protecting your sports club. This guide covers coverage types, requirements, and how to choose the right insurance for your club.
Types of Insurance
- General Liability - Bodily injury and property damage
- Professional Liability - Coaching errors and omissions
- Accident Insurance - Medical expenses for injuries
- Directors & Officers - Board member protection
- Property Insurance - Equipment and facilities
- Cyber Liability - Data breach protection
- Event Insurance - Special event coverage
- Vehicle Insurance - Club vehicle coverage
General Liability Insurance
- Bodily Injury - Injuries to third parties
- Property Damage - Damage to others' property
- Personal Injury - Libel, slander, defamation
- Medical Payments - Immediate medical costs
- Legal Defense - Legal fees and costs
- Coverage Limits - Typically $1-5 million
- Required - Often required by venues
"When a parent was injured at our facility, our insurance covered everything. Without proper coverage, we could have faced bankruptcy. Insurance is not optional - it's essential."
Accident Insurance
- Medical Expenses - Cover injury costs
- Primary or Excess - Primary or secondary coverage
- Coverage Limits - Per injury limits
- Deductibles - Out-of-pocket costs
- Exclusions - What's not covered
- Claims Process - How to file claims
Professional Liability
- Coaching Errors - Mistakes in coaching
- Negligence - Failure to supervise
- Improper Training - Inadequate instruction
- Sexual Abuse - Abuse allegations
- Legal Defense - Defense costs
- Coverage Limits - Typically $1-2 million
Insurance Requirements
- Governing Body - Required by sport organizations
- Venue Requirements - Facility insurance requirements
- League Requirements - League insurance mandates
- State/Local Laws - Legal requirements
- Certificate of Insurance - Proof of coverage
- Additional Insured - Add venues as insured
Choosing Insurance
- Assess Risks - Identify club risks
- Coverage Needs - Determine coverage needed
- Compare Quotes - Get multiple quotes
- Check Exclusions - Understand what's not covered
- Review Limits - Ensure adequate limits
- Check Reputation - Research insurers
- Read Policy - Understand terms
Risk Management
- Safety Policies - Written safety procedures
- Background Checks - Screen all volunteers
- Training - Train coaches and volunteers
- Supervision - Adequate supervision
- Equipment Maintenance - Regular inspections
- Incident Reporting - Document incidents
- Waivers - Liability waivers
Filing Claims
- Report Immediately - Notify insurer quickly
- Document Everything - Photos, statements
- Cooperate - Work with insurer
- Don't Admit Fault - Let insurer investigate
- Keep Records - Maintain documentation
- Follow Up - Track claim status
Start a free trial to see how ClubLogic helps manage insurance compliance.
Related Resources
Learn more about related topics:
- How To Choose Club Management Software
- Digital Transformation For Sports Clubs
- Membership Management Best Practices
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