As a sports coach you face potential lawsuits brought against you by players, clients, and parents if your instructions lead to an accident.
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.
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.
During competetive sposts emotions run high and something you shout out or say to a participant could be easily misinterpeted.
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What insurance do sports coaches need?
Choosing the right insurance for you depends on the size and nature of your business. Key insurance covers sports coaches should consider include:
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.
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.
When you decide to protect your business with Suited we want you to get more than just insurance. That's why with every policy subscription we include Business Legal Protect. From the moment you sign up you gain access to extra support services which are all part of our price.
- IR35 & HMRC investigations
- Legal matters concerning your business
- Negative PR (£25,000 cover)
- Criminal prosecution
- Compliance & regulation issues
- Unpaid invoices (over £200)
- Free tax advice
- Free commercial legal advice
- Counselling for you and your staff
- Access to a legal template library
- Identity theft assistance
My work contract requires professional indemnity insurance. Suited were quick to call back and very helpful explaining the product to me. Suited offers a trustworthy, professional service and a peace of mind.
Suited was easy to use, to the point, concise, I found everything I was looking for , was covered. The process was efficient and quick. Fast forms to fill in. I think the price was pretty competitive too.
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