Business insurance for sport coaches

As a sports coach, insurance could prove beneficial for your business in a variety of ways. It’s physical work, so there might be risk of injury for you, your players, or even a member of the public during sessions in shared spaces.

The people you coach also rely on your advice – it’s possible that they might deem you’ve given them substandard guidance, leading to an injury or a disappointing trial result.

Your role is multifaceted, so your insurance should be, too. No matter the sports you coach, build an insurance policy shaped to your business needs with Hiscox to help protect your venture.


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Why choose Hiscox for your sport coach insurance?


Tailored insurance

With Hiscox, you can tailor your sports coach policy with the insurance products you need and set cover limits to help protect your business


Cover from £8.40 a month*

Our policies are built with affordability in mind – and thanks to the flexible Hiscox approach, you only pay for the products you need

*Figures based on an average of all business insurance policies sold to at least 10% of our customer base between April 2023 and April 2024


Swift cover

Sports coach insurance can be purchased online in a matter of minutes – you’ll also receive your policy documents via email

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Why do sports coaches need insurance?

Public accident

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.

Player complaint

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.

What insurance is available for a sports coach?

As a sports coach, you might also benefit from adding other insurance products to your policy. These include professional indemnity, employers’ liability and cyber and data cover.

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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, your equipment is essential – 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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