Why do sports coaches need insurance?
While you’re coaching a tag rugby session at the local playing field, a family is close by throwing a frisbee. You have small obstacles set out for agility and speed work and, while playing catch, a member of the family trips on a hurdle and dislocates their shoulder. The injury results in a long-term issue and the individual brings a claim against your business. Fortunately, the public liability insurance built into your coaching policy helps to cover legal expenses and compensation fees.
One of your netball players is ascending through the performance pathway and looks to have a promising future. Their parents have paid you for supplementary coaching along with team sessions, but just before an important national trial your player picks up a knee injury. The parents decide the injury is a direct result of poor coaching advice and bring a claim against you. By tailoring your sports coach insurance to include professional indemnity, you’ll be covered for legal fees and compensation costs.
Aside from performing your professional coaching role, you spend your spare time playing hockey. During a competitive game you receive a concussion from an aerial pass. You’re told you shouldn’t drive while you’re experiencing symptoms, but they persist for a month, meaning you’re unable to reach the school where you coach for that period of time. Having personal accident insurance as part of your sports coach policy can offer financial support if you, or another key coach, are unable to work due to an incident.
What cover is included in insurance for a sports coach?
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Insurance for sports coaches: FAQs
Does my sports coach insurance cover me for working outside of a gym?
Yes – we understand that, as a sports coach, much of your work is conducted in public spaces, whether that’s a gym or out and about elsewhere. Your insurance needs to keep pace with you, whether you coach at a sports hall, swimming pool, playing field, AstroTurf, tennis court, or even if you’re leading online coaching sessions.
Building cover for portable equipment and insurance for public liability risks into your sports coach policy can offer all-round protection. Should your coaching bag full of balls, cones and bibs get stolen, or someone trips on a skipping rope and becomes injured, Hiscox can help your business to bounce back.
Do I need a first-aid qualification to get sports coach insurance?
It’s not essential to have a first-aid certification to get an insurance policy with Hiscox. However, such qualifications can be important to have in your line of work.
You might also find that in order to coach a particular sport, its governing body will dictate the first-aid training and other relevant qualifications you need.
These certificates often need renewing after a certain period of time, so staying on top of your refresher courses could help keep your coaching business in full working order.
Do you need insurance to coach football?
Yes, whether you coach football at an elite level or teach beginner skills to children, insurance can provide important protection for coaching football.
For instance, coaching is physical work – what if you were to become injured yourself? Consider equipment too – what would be your plan if your cones and footballs were lost? A player might even claim that your coaching and advice was poor, and this led to them missing out on a career-defining academy place.
Tailoring your insurance to include the most suitable products can help you focus on getting the most from your players, since you’ll know there’s backup should things go wrong.
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