Insurance for sports coaches

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

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Insurance for sports coaches.
Insurance for sports coaches.
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Priced in a Jiffy
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subscription model
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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.

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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.

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.

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.

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

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Get insured anytime. Manage cover from your DIY portal.

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Keep money in your pocket. Pay monthly, no APR or fees.

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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.

covers to consider

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:

Professional indemnity

Provides you with legal defence against claims of providing the wrong instructions, failing your duty of care or saying something wrong.

Business legal protect

Pays legal costs & expenses if you face a negative PR from an unhappy client or student trying to destroy your reputation.

Public liability

Protects you against claims of causing an injury or property damage to your clients and a third party.

Finding the right cover

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.

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Keep in mind

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.

Business legal protect
Included with your insurance

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.

£100k of legal cover
  • IR35 & HMRC investigations
  • Legal matters concerning your business
  • Negative PR (£25,000 cover)
  • Criminal prosecution
  • Compliance & regulation issues
  • Unpaid invoices (over £200)
Telephone helplines
  • Free tax advice
  • Free commercial legal advice
  • Counselling for you and your staff
  • Access to a legal template library
  • Identity theft assistance

How much does sports coaching insurance cost?

Price depends on many factors including business activity, the cover you choose and the level of protection (also known as the limit). With Suited you can mix and match covers and limits. Below are some cover examples, but you will be able to build your own.


Business activity

Sports coach


per month


per month


per month

Professional indemnity

Our core cover, to protect you and your business if you make a mistake in the course of your work, say something wrong about a client, or are accused of being negligent and your client says it has cost them money.


Business Legal Protect

A commercial legal expenses insurance there to protect you and your business from commercial disputes, legal claims, IR35 investigations, HMRC enquiries, criminal prosecutions, negative PR and identity theft. It also offers free and confidential tax, legal and counselling assistance whenever you need it.

with professional indemnity
with professional indemnity
with professional indemnity

Public liability

Defends your business against legal threats from third parties claiming you’ve caused them injury or property damage. Suited PL cover also pays compensation if due.

Get a price
Answer 4 questions then select the policies and limits you need.

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.

Once you buy
If your plans change

No problem, with Suited you can flex your insurance as your business evolves.

Free to amend

Save money by not paying extra to change your cover.

Easy to cancel

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


Professional service and a peace of mind

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.

Evie Jarecki

Suited was super efficient

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.

Justin Leo

I was looking for business insurance…

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 in minutes.

Piers Field
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