Sports coaching insurance

Secure sports coaching insurance quickly and without fuss. We're simply priced, flexible and upfront.

Rating: 4.8 - 24 reviews
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Sports coaching insurance UK
Sports coaching insurance UK
Sports coaching insurance UK
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What is sports coaching insurance?

Sports coaching insurance isn’t one thing. It’s several products you buy to meet the specific insurance needs of your sports coaching business.

Because you’re working with people, public liability is often the first insurance most sports coaches buy. However, sports coaches provide advice, so they usually need professional indemnity insurance as well. Adding commercial legal expenses cover is valuable, so Suited includes it as a standard.

Self employed professional indemnity insurance
Professional indemnity

from £7.67 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Self employed professional indemnity insurance

Professional indemnity

from £8.89 per month

Provides you with legal defence against claims of professional mistake or negligence causing a financial loss to your clients.

Up to £2,000,000 cover

Zero excess

Dedicated legal team

A+ insurer

Competitive prices

Core cover
Commercial legal expenses insurance.
Business legal protect

Cover of £100,000 commercial legal expenses included with your policy subscription.

Protects you and your business against a range of issues not typically covered by professional indemnity or public liability.

IR35 & HMRC investigations

Legal matters concerning your business

Negative PR (£25,000 cover)

Criminal prosecution

Compliance & regulation issues

Unpaid invoices (over £200)

Also includes free telephone advice & help from qualified professionals.

Tax and commercial legal advice

Counselling for you and your staff

Access to a legal template library

Identity theft assistance

Self employed public liability insurance.
Public liability

from +£4.76 per month

Protects your business against claims of causing an accidental injury or property damage to either your clients or a third party.

Up to £2,000,000 cover including products liability

No excess

Expert legal team

A+ specialist insurers

Covers claims against your client caused by your business

Business equipment insurance.
Electronic business equipment

from +£7.00 per month

Pays for repair or replacement if your portable electronic equipment (and accessories) get damaged or lost.

Equipment up to £10,000 cover (£3,500 per item)

Accessories are included (£500 per item)

Hired equipment is covered

Worldwide - your devices are covered anywhere you are

Personal accident insurance.
Business owner protect

from +£10.07 per month

Reimburses your taxable business expenses while you’re recovering from a serious illness or injury.

Up to £2,000 a month

Up to 6 months following the first 30 days of illness

Any tax deductible expenses included

Receive a lump sump payout if you suffer an accident leaving you with partial or total disablement:

£5,000 lump sum

Fast customer service

Quick payout

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
What people say
2 March
Extremely impressed

Extremely impressed with the professional and supportive service I received.

Kellie Williams
on Google
16 February
Very efficient

After shopping around for business liability cover, I found suited, I had a few questions and Jana from suited was very efficient...

on Trustpilot
14 February

The website is easy to use and the process is intuitive, clear and easy to follow.

Matt M
on Trustpilot
11 February

I was recommended Suited, because I’d been stalling. Simple to use website, offered clear, concise information and selection...

on Trustpilot
12 December

Really fantastic service by the suited insure team! Always found the insurance side to be a bit confusing but the team took me...

Michael Ryan
on Google
15 September

A simple and flexible service for what I required. Great communication from start to finish.

Matthew Allen
on Google
1 August

I was looking for business insurance this easy to use and very well explained web site made the process simple and painless. Had a quote...

Piers Field
on Trustpilot
In detail

Why do sports coaches need insurance?

A sports coach faces many risks in their business activities. As a sports coach, you work with clients and students who push themselves physically, and they rely on you to increase their performance. Personal goals and competitive nature can take over, and your charges might get injured or injure someone else due to your instructions. That kind of situation could very quickly turn against you.

Your instructions lead to an injury

As a sports coach, you face potential lawsuits brought against you by players, clients, or parents if your instructions lead to an accident.

Accidents during training

During sports, people constantly move about, and sometimes equipment is lying around. Accidents can happen, and you may be asked for compensation if the accident is severe.

Failing duty of care

Maybe you look away or take an urgent phone call; your reputation and bank balance could be on the line if something happens in your absence.

Your comments are taken out of context

During competitive sports, emotions run high, and something you might shout out or say something to a participant that gets misinterpreted.

Public liability insurance for sports coaches

Public liability insurance shields sports coaches from claims of injuries or property damage.

Sports coaches often find themselves in situations with many people around them (e.g., gyms, parks, sports events); this makes it easy for someone to slip and fall without realising who’s responsible for their injuries. Public liability is an inexpensive protection against these types of unfortunate incidents.

What does sports coach public liability insurance cover?

Public liability insurance is valuable when faced with injury claims and compensation demands.

Cover includes:

  • accidental injury or death
  • accidental property damage

For example:

  • A broken windscreen on an expensive car by a rugby ball or a tennis ball in someone’s face causing an eye injury - you could be expected to compensate for the damage.
  • Your equipment, lying on the ground or while used by your clients, could cause an injury. If it does, you could be required to pick up the medical expenses.

Sports coach public liability insurance - a case study

A tennis coach was giving a lesson to an elderly couple at a West London sports centre.

When preparing the court, the coach removed two netball poles, but instead of taking them outside, he pushed them to one side.

An accident occurred when, during play, one of the players stepped back and tripped over the pole, sustaining an ankle injury and a light concussion.

The injured player first claimed against the sports centre, but the claim landed with the coach because he was responsible for seeing the court was clear of obstacles. 

Luckily for the coach, the sports centre insisted their contract coaches maintain public liability insurance. The coach’s insurer accepted the claim and paid compensation.

The downside for the coach was the policy had £1,500 excess, and the coach had to pay the first £1,500 of the claim.

Professional indemnity insurance for sports coaches

When shopping for sports coaching insurance, coaches often stop at public liability cover and don’t consider situations where their professionalism might be questioned. 

Professional indemnity insurance is a critical cover that protects sports coaches from accusations of professional mistakes, negligence or failing duty.

Given the potential exposures sports coaches can face, professional indemnity insurance can be very affordable compared to the possible costs if you need to defend yourself. 

What does sports coach professional indemnity insurance cover?

Professional indemnity insurance protects sports coaches from claims or accusations of wrongdoing from their professional advice.

Cover includes:

  • Failing your duty of care
  • Making a mistake
  • Acting negligently
  • Giving the wrong advice or recommendation

For example, you may be facing financial demands from a client because:

  • You make a mistake while training one of your clients which leads to their injury later on while following your instructions
  • You’re accused of negligence or misconduct by your student’s parents
  • Your client injures another person while using skills they learned from you
  • One of the youths in your care decides to retrieve a lost football by climbing over a fence and gets injured. The parents are asking you to cover the medical bills.

What professional indemnity limit do sports coaches need?

The professional indemnity limit you need will reflect your particular business activities. When choosing a limit, consider several factors: how often you coach, how many people you work with, and possible financial impacts if your coaching advice goes wrong.

Switching your professional indemnity insurance

Typically, in the UK, if you cancel a professional indemnity policy, you can no longer claim against it.

Therefore, if you switch your sports coach insurance provider, be sure your new policy covers your past work; this is called “retroactive cover”.

Should I keep professional indemnity insurance if I retire from sports coaching?

It’s wise to keep your professional indemnity if you’re taking a break or retiring from sports coaching. Claims against professional misconduct can surface months or years after you delivered the work.

Remember: If you cancel your policy, your insurance coverage will end, including coverage for any previous work.

How long you keep your cover in place is up to you. Consider the type of sports coaching you did and the likelihood that a client might bring a claim against you. 

Other insurance sports coaches buy

Sports coaches may have additional insurance needs that can vary depending on several factors. These include potential legal disputes, non-payment by clients, equipment damage or loss, tax issues, and managing employees or subcontractors. It is important to carefully consider these factors in determining the appropriate insurance coverage for your sports coaching business.

Commercial legal expenses insurance

Most commercial legal expenses insurance will protect sports coaches against various tax and legal issues you may encounter due to your profession, which are not covered by professional indemnity or public liability.

At Suited, we combined £100,000 of commercial legal expenses insurance with helplines and other tools to better assist sports coaches in dealing with these issues. We call this Business Legal Protect, and it’s part of your subscription.

Business Legal Protect offers qualified advice and assistance with:

  • Legal and tax matters concerning your business
  • Criminal prosecution
  • Compliance & regulation issues
  • Help with unpaid invoices (over £200)

For example:

  • HMRC investigations into your tax affairs
  • You need legal help chasing a client who has not paid a significant invoice.
  • You wish to take a business partner or client to court over a breach of contract.
  • You required guidance on compliance or regulatory issues for your business.

Sports coaches we insure

Suited offers comprehensive insurance policies that cater to the needs of a wide range of sports coaches, including:

  • Cycling coaches
  • Fitness coaches
  • Football coaches
  • Golf coaches
  • Rowing coaches
  • Rugby coaches
  • Running coaches
  • Strength and conditioning coaches
  • Swim coaches
  • Tennis coaches
  • and more..

Shopping for sports coaching liability insurance

Whether or not you decide to use Suited sports coaching insurance to protect your business, it’s worth keeping the following in mind:

Cheap sports coaching insurance

When it comes to choosing a sports coach insurance provider, it's not just about the price, but also the quality of the support they offer after the sale. At Suited, we understand this and offer multiple channels for easy communication with our team. We're proud of our quick response time, ensuring our clients are always satisfied with the service we provide.

The reputation of the insurer is important

Insurance needs to be there when you need it most. The payout reputation of an insurer is essential. Suited uses financially sound insurers with an A+ rating.

Many providers charge fees to amend or cancel

Low initial prices often hide additional charges to pay monthly, amend or cancel your policy. At Suited, we charge no extra fees, and you can cancel anytime with no more to pay.

Some policy wordings are restrictive or have a high excess

Some providers will offer attractive prices, but it is at the expense of cover given. Suited professional indemnity and public liability have £0 excess.

In this section
Suited awards.

Common questions

Do I need qualifications to be a sports coach?

If you want to be insured, you need to be able to demonstrate that you have relevant qualifications or experience to do your job.

Do amateur sports coaches need insurance?

Whether you sports coach for money or fun, you still face the same risks of being sued. While not required by law, insurance is recommended.

What does sports insurance cover?

Suited sports insurance covers your liability to the public and your clients. As a sports coach you might also need insurance for your equipment, health and income.

What is the difference between professional indemnity and public liability insurance for sports coaches?

Professional indemnity defends you against claims of professional mistakes, negligence, while public liability helps when your business activity caused an accidental injury or property damage.

Answer 4 questions then select the policies and limits you need.
Answer 4 questions then select the policies and limits you need.
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Sports coach public liability insurance
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We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

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Holiday mode

Pay less when not working by hibernating your PI cover.

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Get help when you need it from our Bristol based team.

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If your plans change

No problem, Suited uses a simple subscription model making it easy to walk away.

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14 day promise *

If you call to cancel within the first 2 weeks we’ll give you a full refund.

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No longer need us? Cancel anytime, no more to pay.

* 14 day promise is not available online, please speak to a member of staff. Not available if you have reported a claim.

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