Sports coaching insurance

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

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Sports coaching insurance UK
Sports coaching insurance UK
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The problem

Self-employed sports coaches face many risks

Your instructions lead to an injury

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

Accidents during training

During sports there is always a lot of people moving around and equipment lying about. Accidents are not uncommon and when serious, you could be asked to compensate.

Failing duty of care

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

Something you said is taken out of context

During competetive sposts emotions run high and something you shout out or say to a participant could be easily misinterpeted.

Public liability insurance for sports coaches UK

You need sports coaching insurance that's low cost, flexible and protects you against compensation claims

the suited way
Insurance made better

Self-employed insurance done fast, clear and upfront.

Sports coach public liability insurance
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More flexible

Make changes instantly, easily and for free.

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No extra fees

We give you one price, no APR or hidden extras.

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Go retroactive

Include retroactive cover to insure previous work.

Holiday umbrella.
Holiday mode

Pay less when not working by hibernating your PI cover.

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Top insurers

Be confident knowing your cover is backed by trusted UK insurers.

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UK support

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

Covers to consider

How much does sports coaching insurance cost?

Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers sports coaches should consider include:

Self employed professional indemnity insurance
Professional indemnity

from £7.41 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

Self employed professional indemnity insurance

Professional indemnity

from £8.63 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

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 +£9.24 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
Legal Expenses
Included as standard

With every policy subscription we also include Business Legal Protect. This means from the moment you sign up you gain immediate access to extra support services.

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

In detail

Why do sports coaches need insurance?

Sports coaches face a number of 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 possibly injure someone else as a result of your instructions. That kind of situation could very easily turn against you.

Where there is competition, there's an audience and members of the public can get too close to the action.

If something happens - 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.

What does sports coach insurance cover?

As a sport coach you need to protect yourself against accusations of wrongdoing, negligence or accidentally causing physical or property damage. There are two covers that are most suitable for this profession.

Both are legal covers that work on the principle of providing you with legal defence if you’re accused of any of the above. At the first sign of trouble you notify your insurance provider who will review the situation and advise you on the next steps. Where appropriate you’ll be appointed with a legal team who will deal with the situation on your behalf.

The legal team’s job is to protect you and your business. If you’re found liable, both insurance covers include compensation payout up to the limits you’ve selected.

Public liability insurance for sports coaches

We mentioned accidents that might lead to an injury of your own clients, members of the public or property damage as a result of your business activities. This is what public liability cover is for. No matter how organised and safety conscious you’re, unfortunate incidents happen.

Sports coaches often find themselves in situations where there are lots of 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—so it’s important to make sure you have appropriate insurance before something goes wrong.

If you’re caught in a litigious situation, your legal costs, other professional expenses, and payments for any financial compensation required by victims will be taken care of by the insurance cover. With Suited you won’t be alone. Suited public liability is backed by a top UK law firm specialising in public liability claims.

For more details on Suited public liability insurance, please read our detailed guide.

Professional indemnity insurance for sports coaches

Sports coaches often stop at public liability cover and don’t consider situations where their professionalism might be called into question. Negligence, breach of contract, failure in duty of care are all examples of other risks you need to protect yourself against.

Professional indemnity insurance for sports coaches is generally very affordable and can be tailored to meet your specific business needs. The first step in protecting yourself from potential legal action is to understand why you need professional indemnity cover in the first place. As mentioned above, there are several reasons why someone might take legal action against you as a sports coach:

  • You make a mistake while training one of your clients which lead to their injury later on while following your instructions
  • You’re accused of negligence or misconduct by your student’s parents
  • You fail to report misconduct on behalf of one of your clients which has led to an accident with a member of the public or another of your clients
  • Your client injures another person while using skills they learned from you

Suited professional indemnity cover is further enhanced with legal expenses cover that provides extra legal protection for situations not typically covered by professional indemnity or public liability insurance. Examples are unpaid invoices or tax disputes. This cover is automatically included with your professional indemnity at no extra cost.

Sports coaching insurance helps you stay focused

Sports coaches often don’t have a budget large enough to cover any liability issues that arise. When you buy sports coach insurance, you have one less thing to worry about - you can focus your efforts on leading a happy and healthy lifestyle while coaching your clients.

As an added bonus, Suited also offers additional cover - Business Owner Protect - which can be used as an emergency fund to help cover any business expenses if you get seriously injured and aren’t able to work. If you’re not sure whether sports coaching insurance is right for you, give us a call.

In this section

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.

Contact us
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Call us with any questions or queries. Our Bristol based team is available from Monday to Friday and answers straightaway.

Monday-Friday, 8:30am to 5:30pm

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Once you buy
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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Easy to cancel

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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