Sports Coaching Insurance
Specialist cover for sports coaches and instructors from £3.86 a month.
- Public Liability up to £10 million
- Join 150,000 customers**
- Flexible Payment Plans – 0% APR
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From £3.86* a month
What does sports coaching insurance cover?
As a professional sports coach or instructor, ensure your business is adequately covered against common occurrences. Our policy includes the necessary liability cover you need to protect yourself as a coach as well as specialist extras you can tailor to your service. Depending on the scope of your coaching services, you have the flexibility to choose from various levels of cover, so you pay the most suited price.
The policy is specifically designed to account for coaches and instructors conducting one-on-one, group sessions, and online classes. Having suitable cover allows you to be prepared for unexpected incidents, protecting your clients, yourself and your equipment.
Cover can be adapted for sole traders, parnerships and limited companies.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Equipment
Employers’ Liability
Personal Accident
Public Liability
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of your actions.
Professional Indemnity
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of advice that you provide.
Equipment
- £500 worth of equipment included.
- Add up to £30,000 of equipment cover.
- Protecting equipment you need for your business from loss, damage and theft.
Employers’ Liability
- £10 million worth of cover.
- Protection against liability allegations made by Employee’s and includes cover for damages rewarded and defence costs.
Personal Accident Cover
- Protection for the person(s) insured, should they suffer a bodily injury caused by an accident at the business or club insured.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select Europe or Worldwide (excluding the USA).
Legal Expenses
- Cover for up to £100,000 of cover for Legal Defence, tax protection and access to specialist help-lines.
- Option to include cover for employment, property and contract disputes, as well as health and safety appeals, jury service, court attendance and licence protection.
- Coaching any activity without the relevant qualification.
- Equipment that’s left in plain sight or in an unlocked vehicle, and where there’s no sign of forced entry or damage.
- Claims where a PARQ has not been signed by the client, prior to the activity.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need sports coaching cover?
Sports coaching insurance offers protection for certified fitness professionals against potential claims that could arise during coaching.
Having suitable insurance is a sensible to step in running a responsible operation, fulfilling safety obligations to your clients, and safeguarding yourself against significant financial liabilities. Here are several situations illustrating the importance of having sports coaching insurance in place:
Cover against claims from public injury.
If someone were to trip over an item of sports equipment you’ve placed on the floor and sustain an injury, they might hold you responsible, or if accidental damage occurs to a client’s property, such as a phone, you can claim for repair or replacement.
Public liability insurance safeguards against slip-and-fall accidents, injuries caused by equipment, and damage to belongings during training sessions.
Accusations of negligence following a client injury.
Whilst taking part in a training session, for instance, a claim may be brought against you as the coach because instructions for an exercise have led to an injury and it’s considered to be your fault.
Professional Indemnity Insurance will cover legal costs and damages if a client decides to bring a claim against you for the incident.
Cover for sports coaching equipment.
As a coach you may store your training equipment in a storage facility, for example. If an incident such as a storm or fire causes damage to the storage unit and subsequently damages your equipment, without insurance you face the expense of replacing these items.
Having sports coaching equipment cover can avoid costly replacements in case your equipment is damaged or stolen.
Financial protection from workplace injuries.
If an accident results in an injury to yourself and you need to take some time off work. Avoid loss of earnings with personal accident cover. This can provide you with financial support if you suffer an injury or accident whilst providing your service.
Our experts explain why...
“Traditionally Sports Coaches provide fitness instruction to teams and small groups, this has evolved over years to include not just recognised fitness-based exercise but also a number of activities, sports and martial arts-based fitness. We have adapted our product offering to recognise this demand, so we can make sure, whatever you are offering to your customers, we can provide you financial protection. Our insurance offering doesn’t just cover your Public Liability concerns but also those that might come from suggested negligent advice and tuition, through our Professional Indemnity extension, which we offer at no additional charge.”
Chris Trotman, Protectivity Underwriting Manager
How much does sports coaching insurance cost?
The cost of sports coaching insurance can vary depending on the level of cover you need. For example, if you use specialist equipment in your training you may need to increase the value of cover.
Investing in insurance for Sports Coaching is not just about protecting you and your organisation; it’s about securing what matters whilst you focus on developing the club for the next generation.
At Protectivity policies start at just £3.86 a month *.
Prices from
£3.86* a month
Explainer quote
Policy cost
£3.86* a month
Policy type
Sports Coaching
Activity
Football Coaching
Policy duration
Annual
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
Equipment Cover
£500
This example is based on a real quote from our website on 11/03/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your sports coaching insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 150,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
Can you cover me to coach outside of the UK?
Yes, providing you have selected the appropriate option of either Europe or Worldwide (excluding USA). You must be a UK resident and cover is limited to 30 days during the annual period.
Will my equipment be replaced on a new for old basis?
Yes, provided the insured value meets the cost of the new item.
What coaching ratios can I work to?
We expect you to work to the ratio of 16-1 unless you hold a qualification which stipulates otherwise. If you coach in a school where support staff are available then we will be happy to increase the ration to a normal class size, so 30-1.
Can you cover me for coaching children?
Yes, we can cover coaches who teach children provided suitably qualified.
Do I need to hold a first aid certificate?
No, it’s great if you have one, just in case a client needs first aid response, but it’s not compulsory.
What sports am I allowed to teach?
We will cover you for all sports and activities you have specified on your application of insurance, on the basis that you hold a relevant qualification which allows you to teach the sports and activities you have selected.
How much cover do I need?
To determine what level is right for you or your business it’s important to consider the likelihood of a claim and the potential costs that may be incurred should a claim arise. If you use third party facilities you should check to see if they have a minimum requirement, often, local authority facilities and schools require a minimum of £5 million.
What does the Protectivity Sports Coaching Insurance policy cover me for?
This policy will cover for injury or damage to another party caused by, or arising from, any tuition, instruction or advice of any sport or activity you have specified, subject to suitable accredited qualifications. Our sports coaches insurance also includes Professional Indemnity which will cover the trainer for injury or damage to another party caused by or arising from any tuition, instruction or advice given by or on behalf of the Insured in respect of the activities contained within your business description.
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This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/10/2024. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to Sep 2024
ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.
¹Based on live Feefo data