Sports Coach Insurance

Specialty insurance solutions tailored to your unique needs.
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Insurance that's a real game changer - XINSURANCE's sports coach insurance solutions are designed to empower coaches at all levels.

From the field, to the pool, to the court, we’ve got your back. XINSURANCE provides tailored coverage solutions for coaches across all sports, all across the country.

What is Sports Coach Insurance?

Sports coach insurance is essential for protecting yourself from the risks and liabilities that come with coaching. As a coach, you have a great responsibility towards the athletes you train and mentor. XINSURANCE offers sports coach insurance solutions that provide coverage for unique scenarios, including bodily injury claims made against the coach,  auto accidents while transporting athletes, and allegations of sexual abuse, molestation, assault, and battery. XINSURANCE specializes in providing customized liability insurance solutions for coaches, offering peace of mind and financial protection in case of lawsuits or claims.

No matter how careful you are as a coach, accidents and incidents can still happen. With over 40 years of experience, XINSURANCE understands the unique risks faced by coaches and can create a solution that suits your specific needs. By partnering with us, you can have confidence in your coaching career knowing that you have the necessary protection.

Who Should Have Sports Coach Insurance

  • Sports Coaches (any sport!)
  • Personal Trainers
  • Volunteer Coaches
  • Sports Camps
  • School Coaches
  • And More!
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Sports Coach Insurance Coverage Options

General Liability

Protects against third-party claims for bodily injury and property damage resulting from coaching activities.

Professional Liability

Provides coverage for claims arising from professional negligence, errors, or omissions in your coaching services. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle used for business purposes, including transporting athletes to sporting events or carrying equipment to practice. Learn more.

*Available in most states

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

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How To Get A Quote

Request Your Quote

Click the button below to get started on your quote

Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQ About Sports Coach Liability Insurance

Why do sports coaches need liability insurance?

As a sports coach, you need liability insurance to help protect you when things go wrong. In life, you will learn how good your insurance partner is when what can happen does happen. XINSURANCE stands by your side when an accident, incident, claim, or lawsuit occurs. Having sports coach liability insurance can protect you from significant financial loss and sometimes can be the difference of keeping your job. In some places or at some organizations, liability insurance may be required.

How much does sports coach insurance cost?

The cost of sports coach insurance depends on many factors, including but not limited to the coach’s experience, the sport being coached, the age of the athletes, coverage limits, and the state or region in which coaching activities take place.

It is best to contact us and tell us more about yourself and your situation so we can provide a personalized quote.

Does the organization I coach for provide insurance? Am I covered enough from that?

Many sports facilities or organizations carry general liability insurance that covers the facility or organization against claims or lawsuits arising from injuries or property damage that occur on the premises. However, this insurance may not provide full coverage for individual coaches or their coaching activities, and coaches should not solely rely on this coverage to protect them from potential liabilities. Coaches should consider obtaining their own sports coach liability insurance to provide additional protection for claims or lawsuits arising from their coaching activities. Additionally, a coach’s personal insurance coverage, such as personal liability insurance or homeowners insurance, may not cover their coaching activities, so it’s important to review policy terms and consult with one of our underwriters to ensure adequate coverage.

Are coaches covered for claims of abuse or molestation under their liability insurance?

Most insurance policies will not cover you for allegations accusing you of sexual abuse, molestation, assault, or battery. That is why you need XINSURANCE. We specialize in customized insurance solutions that provide real coverage, including alleged abuse and molestation coverage and alleged assault and battery coverage.

Does sports coach liability insurance cover coaching activities outside of the designated sports facility?

Yes, we can provide insurance solutions for coaching activities that take place both inside and outside of the designated sports facility.

Are coaches covered when using their personal vehicle for coaching-related transportation?

Personal vehicle usage for coaching-related transportation is typically not covered under your personal auto insurance policy. Coaches may need to add commercial auto coverage to their sports coach liability insurance policy for such situations. XINSURANCE can provide commercial auto insurance solutions that covers any scheduled vehicle used for coaching purposes.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

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Insurance for Sports Camps & Coaches

Frivolous lawsuits are ruining the sports industry and unfortunately, you are a target.

Contact us today or get started online with a quote request to get that target off your back.

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service