Sports insurance for teams & organizations

In Canada, sports insurance covers a range of risks associated with athletic activities and events. 

It’s designed to protect clubs, leagues, schools, coaches, volunteers, and organizers from pricey legal claims and unexpected financial losses. 

Some of the main sports insurance coverages include:

• Commercial general liability insurance: This protects against claims of bodily injury or property damage. 
• Participant accident coverage: This provides insurance coverage for sponsored activities, and the people participating. For instance, if a business is sponsoring a sports league, they should have this coverage in place. 
• Directors and officers liability: This covers employees and executives for claims related to professional management decisions.

Policies may also include coverage related to misconduct allegations, equipment coverage, event cancellation insurance, and sports travel insurance. 

Typically, the larger the organization, the more extensive the insurance coverages. The key is to have comprehensive coverage tailored to your organization’s unique needs. 

Looking for sports team insurance? Call us. 

Yes, third party injury is typically covered under sports insurance policies through commercial general liability coverage. 

For Canadian sports organizations, this protects against claims from spectators, visitors, or other non-sport participants who claim they were injured during practices, games, or events. 

Actual coverage may include legal defence costs, medical expenses, and settlement payments if the organization is found legally responsible.

Third party injury coverage is essential for protecting clubs, leagues, coaches, and event organizers from pricey lawsuits arising from accidents involving the public.

Looking for sports insurance coverage?  Call us.

Sports organizations operate in changing environments where injuries, property damage, and administrative risks aren’t uncommon. 

Whether you’re running a local club, league, or you’re hosting sporting events, you need to have the right coverage.

Common types of insurance coverage sports organizations may need include:

• General liability insurance for third-party injury and property damage
• Participant accident coverage for athlete injuries
• Directors and officers liability for board and management decisions
• Misconduct protection if there are allegations against staff or leadership
• Coverage for coaches, officials, and volunteers
• Equipment and property insurance for uniforms, gear, and buildings
• Event-specific coverage for tournaments, camps, or special events
• Cyber insurance, such as for event bookings, online activity, and audience data 

A knowledgeable sports insurance broker can customize coverage based on your risk level.

Looking for a sports insurance quote? Call us.  

Sports insurance is designed to protect a wide range of individuals involved in sports organizations, ensuring everyone is properly covered legally and financially. 

Sports insurance for organizations typically extends to the following members:

• Athletes and participants: Covered for injuries sustained during practices, games, training sessions, and organized events.
• Coaches and trainers: Protected against liability claims related to instruction, supervision, and on-field decisions.
• Officials and referees: Covered while performing officiating duties at insured events or activities.
• Board members and management: Protected through management liability coverage for decisions made on behalf of the organization.
• Volunteers and staff: Covered while carrying out approved organizational duties.
• Event organizers and hosts: Protected against claims arising from hosted tournaments, camps, or special events.

Coverage applies only to insured activities outlined in the policy.

Looking for insurance for a sports organization? Call us.  

Sports teams that involve high levels of physical contact or fast-moving equipment typically carry the highest risk to insure. 

For example, this can include sports like hockey, football, rugby, lacrosse, and wrestling, where collisions, falls, and contact increase the likelihood of injuries. 

Teams participating in extreme or adventure sports like gymnastics, skiing, dirt biking, or rock climbing also face higher risks. 

Insurance premiums for these teams and organizations are generally higher due to the frequency and severity of potential claims, and policies often require more comprehensive coverage to protect athletes, staff, and organizers.

Whether you’re looking for football, rugby, or hockey insurance in Canada – or even for a less risk-involved sport – we can help. 

Need sports insurance in Ontario or Quebec? Call us.  

As with all types of insurance, the amount sports insurance covers depends on the specific policy purchased.

Depending on the type of sports organization, and the level of risk involved, more substantial coverage may be required. 

However, for Canadian sports organizations, liability limits commonly range from $2 to $10 million per incident, with higher limits available if required. 

Participant accident coverage typically includes set maximums for medical, dental, and disability benefits. Optional coverages, such as equipment or event cancellation insurance, have their own limits. 

An insurance broker can help determine appropriate coverage amounts based on your specific needs.

Looking for game day insurance coverage?  Call us. 

Sports teams face a unique set of risks that go beyond standard business operations, making specialized insurance important. 

From player injuries to accidents involving spectators and administrative decisions, the right coverage helps protect the organization as a whole. 

When considering sports insurance options, teams should keep the following in mind:

• Athlete injury exposure, including medical costs and time lost from play
• Possibility of third-party risk, such as spectator injuries or property damage during events
• Risks related to working with youth programs or vulnerable participants
• Management decisions that may lead to legal or regulatory issues
• Staff and volunteer oversight, where poor training may increase accident risk
• Facility and equipment exposure to damage, theft, or operational disruption

Questions? An experienced sports insurance broker can tailor coverage to your team’s specific operations. 

Need insurance coverage for your sports team?  Call us.  

Sports professionals face industry-specific risks that need appropriate insurance coverage. 

This can change depending on their specific role within the organization. 

Typical coverages for sports professionals include professional liability insurance to protect against claims of negligence or errors in instruction, and general liability coverage for third-party injury or property damage. 

Additional considerations may include coverage for personal equipment, and disability or income protection to guard against injury-related loss of earnings. 

An insurance broker can help tailor coverage to the individual’s role, sport, and level of risk, as a member of your organization.

Need sports team insurance? Call us. 

Trainers directly employed with the organization may be covered under the team or club’s policy, however independent contractors typically need to purchase their own coverage. 

For contractors, separate business insurance helps ensure full protection in the following areas:

• Professional liability protection: This covers claims related to training advice, treatment, or instruction.
• General liability coverage: Protects against third-party injury or property damage claims.
• Participant accident coverage:  Helps cover injuries that occur during training sessions.
• Equipment coverage: Protects personally owned training equipment.
• Income protection insurance: Provides financial support if an injury or other interruption temporarily prevents the trainer from working.

An insurance broker can help determine whether separate coverage is necessary based on employment status and risk exposure.

Looking for a quote? Our team of Canadian sports insurance brokers will be happy to help. 

 Call us.  

Yes, insurance can cover star athletes, but coverage depends on the specific risks related to the individual.  

Professional and amateur athletes can be protected for injuries, accidents, or loss of income due to inability to play. 

Specialized policies are often required for high-profile athletes, as their much higher earning potential and public exposure create unique risks that standard sports insurance may not fully cover.

Looking for sports club insurance coverage?  Call us.