Sports coach insurance

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Children‘s football coach giving a team talk

Why is sports coach insurance important?

From tennis to football coaching, insurance forms a key part of your business set-up. Without it, you could be exposed to very expensive public liability claims for injuries and property damage, as well as losses on your specialist equipment and employee legal cases, or your own injuries which stop you working.

  • sports public liability insurance, starting at £1 million
  • optional personal accident cover, in case an accidental injury stops you working
  • rated 4.7/5 based on 39K+ public liability customer reviews


Insurance for sports coaches – what’s covered?

Typically, we’ll start with public liability insurance for sports coaches, built to cover professionals like you against third party accidents, from property damage to injuries. Most quotes also build in employers’ liability insurance for your staff, if you have any. From there, you can add specific cover for specialist equipment, plus personal accidents which may stop you working, like a broken knee.


How much does sports coaching business insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £4.74 per month

Get your tailored quotes in 7 minutes

Example sports coaching insurance quotes, real prices

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers’ liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.


How it works

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm

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0333 043 8527

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Contact us on our website whenever suits you

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FAQs

Find answers to common insurance questions


How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£51 million in claims paid out in 2023

Chosen by nearly 1 million small businesses and landlords

Sports coach insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about sports business insurance. You can also check out our business insurance FAQs.

A ball through a car window or a complex foot fracture – coaching at any level carries specific everyday risks. A sports coaching insurance policy is designed to keep your focus on your clients, trainees, and players, not all the things that could go wrong, from employee injuries to expensive property damage.

There’s no legal requirement for insurance for sports coach insurance in the UK, unless you employ anyone – if so, employers’ liability cover is usually required by law – but if you were hit with several thousands pounds in expensive injury claims, for example, would you have the funds ready?

Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

If you employ people, you’re required by law to have employers’ liability insurance.

There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions


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