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How Much Does Sports Insurance Cost?

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April 25, 2022 by JMG Insurance Corp

Sports person wearing blue t-shirt and white shorts holding his bleeding left knee Sportspeople have to embrace the risk of getting hurt or developing debilitating muscular problems that could affect them for the rest of their lives. This is true for players in youth leagues all the way up to the professional level. Injuries from sports made up 12% of all emergency room visits and 20% of all acute injuries, the Insurance Information Institute found.
That is why risk management has become so important to college and professional sports that insurance coverage is now necessary for new players.
However, athletes and their caretakers might be reluctant to get insurance as it can be costly. It is essential to realize that costs are variable, and they can find a great deal by comparing available coverages and selecting the right one for their needs.

The Advantage Of Sports Insurance

Sports include teamwork, fitness, competition, winning, excitement, and losing, among other things. You’re likely to see many teams practicing sports in different communities on any given day. People play sports till someone gets hurt.
Insurance consultant explaining terms to clientCoaches, players, fans, and other people involved in sports are in it not just for a good time but also because they have a passion for the sport. But no matter how hard they work, things can go wrong quickly in any kind of sports activity.
A stray ball from the ground can strike spectators or even cars in the parking lot. For example, football players get knocked around and get concussions and traumatic brain injuries during the games. Make sure you have the right insurance for your team if you want to enjoy your sport. This will keep you from having to pay for injuries or damage to someone else’s property.

Various Types Of Coverage in Sports

Sports insurance is not just one specific type of coverage. There are actually five distinct types of sports insurance. If you are a member of a sports organization, you should consider purchasing all to ensure that your players are protected in the event of a mishap:

  • Accident and Participant Liability Coverage
  • Directors & Officers Insurance
  • Equipment Insurance
  • Crime Insurance
  • General Liability Insurance

General Liability Insurance Costs For Fitness Businesses And Sports

For sports and fitness businesses, the cost of general liability insurance can be high.
Men wearing blue t-shirt and white shorts holding his bleeding left kneeIt costs about $30 per 30 days or $350 per year to get coverage for third-party bodily damages and injuries.
Agents who are licensed to sell insurance usually suggest that fitness centers and related businesses get property insurance and general liability at a discount through a “business owner” policy. Professional liability insurance can also be added to general liability or BOP policy to get even more money off of your insurance.

Sports Insurance Works For Child Athletes And Sports Leagues As Well

The American Academy of Pediatrics says that about 35 to 45 million kids between the ages of 6 and 18 play some kind of sport every year. Most of these activities go beyond the limits of the school, so there isn’t much insurance to cover those who get hurt.
Sports team insurance incorporates various types of coverage options to safeguard both youth and adult professional sports from being sued for things like damages. Your team’s insurance can be a total package or a sports team insurance policy that fits your needs.
General liability insurance for minor sports teams costs between $27 and $59 a month, depending on where the team is, how big it is, how much money it makes, and how long it has been in business.

Limitations On General Liability Insurance For Sports And Fitness Enterprises

It’s essential to know how much your insurance company will pay for covered accidents and illnesses. An aggregate limit is the highest your insurer will pay for all claims you make during your policy term, which usually lasts one year.An insurance agent is helping sports person to decide a perfect cost effective sports insurance plan
A per-incident limit is the highest your insurer will pay for a particular claim. A total limit is the highest your insurer will pay for all claims during your policy term, which usually lasts one year.
Higher limits cost more, but they also give you more coverage. Most fitness and sports professionals select general liability policies with a $1 million per-incident limit and a $2 million total limit. As your small business expands, you may need to raise the limits on your policy.

Work With JMG

With the help of your commercial agent, find the best prices on a suitable sports team insurance plan for your team. An insurance agent for businesses can start giving you quotes from several companies and help you decide how much and what kind of insurance your business needs to protect itself from liability and accident claims.
Get in touch with JMG Insurance Corp for additional information or to obtain sports insurance coverage if you’re the manager or the owner of a league or club. When you engage with JMG Insurance Corp, you’ll have access to a comprehensive choice of specialized insurance policies tailored to your sports organization’s needs.

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JMG Insurance Corp has been serving the insurance needs of our clients in Connecticut, New York, New Jersey, Massachusetts, Rhode Island and Hawaii since 1916.

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JMG Insurance Corp 29 Haviland Street Norwalk, Connecticut 06854 1-844-304-7332 1-203-857-7848
Google Rating
4.8
John M. Glover Insurance Agency
John M. Glover Insurance Agency
4.8
Tammy Weiner
Tammy Weiner
14:53 09 Aug 23
Amazing personalize service. They were able to consolidate all of my insurance needs and save me a lot of money, while also upgrading my coverage and making sure all of my needs were met even in potential unforeseen circumstances. Would highly recommend, and I have not been so pleased with an insurance agency in many many years.
Dani
Dani
14:24 06 Aug 23
I have held multiple insurance policies through the John Glover agency, for as long as I can remember. The company is wonderful! All of the staff members are kind, personable, compassionate, and speedily efficient! I highly recommend them!
Chris R.
Chris R.
11:34 25 May 23
I have been a client (auto, home, and umbrella) for several years. The entire team at the agency is excellent. Francesca is always prompt in getting back to me, and the claims group is great. I also purchased a life insurance policy through them as well.
William Schrade
William Schrade
18:25 26 May 23
I'm so pleased with the service at JMG Agency. They shopped and saved me money on my policy even when I didn't request it. I needed insurance in another state where they are not licensed to sell but they went the extra mile and found an agency to rewrite my policy saving me almost 50%. I have complete trust in my agent Francesca and her assistant Crystal. I highly recommend this agency.Bill Schrade
Melanie Craig
Melanie Craig
11:13 08 Aug 23
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