Core options include General Liability (including participant legal liability), Accident Medical for injured players, Equipment/Inland Marine for gear, and Facility Rental Liability when you rent fields or gyms. You can add Hired/Non-Owned Auto for volunteers, and Event Cancellation/Weather for tournaments and camps. Coverage always depends on the specific policy terms and limits you select.

Youth and adult teams & leagues, coaches/trainers, tournaments & camps/clinics, gyms/fitness studios, and event organizers. Most venues will require a Certificate of Insurance (COI) before they hand over the keys or let your event run.

Accident Medical helps reimburse eligible medical expenses for injured participants (usually secondary/excess to their personal health insurance). General Liability responds to third-party claims alleging bodily injury or property damage (for example, a spectator or a facility owner). You generally want both.

Not always. Some policies exclude injuries to participants unless you add Participant Legal Liability. We’ll confirm whether it’s included and structure limits that match your sport’s risk level.

Standard liability or accident policies don’t cover lost event revenue. For that, you’d look at Event Cancellation or Weather Insurance, which can address severe weather, venue issues, or other named perils depending on the policy.

Pricing depends on the sport and contact level, number and ages of participants, season length, event size, location, coverage limits/deductibles, and claims history. Teams are often rated per participant or per season; events are often rated per event/day. We’ll shop carriers and tailor limits so you’re not overpaying for fluff you don’t need.

Yes—Equipment (Inland Marine) coverage can protect items like balls, nets, goals, training gear, scoreboards, and portable electronics, on and off premises, subject to the limits and causes of loss you choose.

Yes. Signed waivers and consistent safety protocols (concussion procedures, heat policies, equipment checks) are best practices. They don’t replace insurance, but they help manage risk and may be required by leagues, venues, or carriers. For legal enforceability, consult your attorney.