
Why Choose Sportsurance?
Tailored Policies
Customize coverage-fit your sport, needs, and budget.
Competitive Rates
Affordable premiums without compromising coverage.
Dedicated Support
Prompt, expert assistance from our sports specialists
Fast Claims Processing
Get back in the game with hassle-free claims resolution
Athletes of all kinds present a difficult challenge for disability underwriters. Although generally superb health, athletes often experience the temporary or permanent inability to participate in their sport. Sportsurance provides a variety of insurance products addressed to the specific needs of professional athletes from golfers, to race car drivers, to football players.

Professional sports leagues and teams seeking to protect their athletes and investments

Growing popularity of endurance events, adventure sports, and extreme activities

Increased focus on athlete wellness, safety, and liability
Sportsurance™ can cover a wide range of situations, from medical costs for participants to liability claims against leagues and venues
The specific coverage depends on whether the policy is for an individual athlete, a team, a league, or a facility.
For individuals and participants
Accident medical coverage
Pays for medical bills resulting from an injury during sports activities, including expenses not covered by standard health insurance.
Accidental death and dismemberment (AD&D)
Provides a payout if an injury results in death, loss of limbs, or other permanent disability.
Permanent total disability
Offers financial support if a career-ending injury or illness occurs.
Sports equipment protection
Covers the replacement or repair of personal equipment, such as a helmet or gear, if it is damaged or stolen.
Travel insurance
For athletes traveling to compete in tournaments, this can cover medical emergencies or travel disruptions that occur away from home.
Professional athlete income protection: Special policies can protect a professional athlete's future income in the event of a career-ending injury.
For teams, leagues, and organizations
General liability: Covers the organization for third-party claims of bodily injury or property damage. This includes injuries to participants, coaches, volunteers, and spectators.
Directors and Officers (D&O) liability
Protects the organization's leaders from lawsuits concerning mismanagement, negligence, or other "wrongful acts".
Abuse and molestation liability: Protects against allegations of sexual or physical abuse or harassment by a coach or representative.
Sports equipment coverage: Protects team-owned or leased equipment, such as uniforms, nets, balls, and scoreboards, against theft, damage, or vandalism.
Property insurance
Covers the league's buildings, offices, and other physical assets from perils like fire, theft, or vandalism.
Event cancellation insurance: Covers financial losses if a tournament or other special event is canceled due to unforeseen circumstances, like bad weather or a power outage.
Event liability insurance
Provides coverage for special events like fundraisers or awards banquets, including host liquor liability if alcohol is served.
Crime insurance: Protects against financial losses from employee theft, fraud, or other dishonest acts.
Cyber liability: Covers the costs of a data breach if players' personal or medical information is compromised.
Limitations and exclusions
Many sports insurance policies have exclusions, and it is crucial to review the policy details carefully
Common exclusions include:
Pre-existing medical conditions. Injuries related to a health issue that existed before the policy began.
Hazardous or high-risk sports
Certain activities like extreme skiing, parachuting, or motor racing may not be covered by standard policies and often require a special add-on.
Intentionally self-inflicted injuries
Claims for self-harm are not covered.
Acts of war
Losses and injuries sustained during a declared or undeclared war.
Illegal acts
Any injury or damage that occurs while committing a crime.
Get back in the game with confidence
Sportsurance™ peovides access to specialized insurance products designed to safeguard athletes, teams, and sports enthusiasts against unexpected injuries, illnesses, and equipment damages.
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