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Sports Team Insurance New York Policy Information

NY Sports Team Insurance

Sports Team Insurance New York. Sports involve fitness, teamwork, competition, excitement, winning, and losing. It's all fun and games in sports until someone gets hurt. On any particular afternoon, it's common to see many teams practicing sports throughout communities across NY. In most cases, players, coaches, fans, and others involved in sports have a good time, but that's not always the case; things can go south quickly in any sports activity.

Players can experience concussions when they are tackled during game play, or a stray ball from the field can hit a spectator or a parked car. If your team is going to fully enjoy its sport, then the right team insurance is important to protect you, players, and others from liability claims due to injury or property damage. A sports team insurance New York policy is tailored to protecting sports teams from the inherent risks involved in practicing and playing.

Sports team insurance New York protects your athletic club from lawsuits with rates as low as $67/mo. Get a fast quote and your certificate of insurance now.

Does Your Team Need Sports Team Insurance?

Around 35 million children play youth sports. Around 60% percent of these sports are played outside of school, where insurance to protect against liability is scant. Sports team insurance combines different types of coverages to protect both youth and adult sports leagues from liability. The insurance your team purchases can be a complete package or a custom sports team insurance New York policy designed around your specific needs.

Coverages Provided by Team Insurance

The key part of a sports team insurance policy is liability insurance. This coverage protects the organization, its participants, volunteers, and any employees should a covered activity result in a claim against you. Some examples of covered activities include both supervised and organized games, practice sessions, try-out sessions, playoffs, tournaments, and so forth. It can also insure events hosted by your organizations, such as picnics, fundraisers, and award banquets, among other events.

Accident and Participant Liability Coverage

One of the necessary types of coverage needed for youth sports teams is sports participant liability coverage. This type of sports team insurance New York coverage protects the team and organization as well as the supervisors and directors involved with the team from liability resulting from accidents and injuries. In addition, the policy protects you from claims that are related to property damage, false arrest, slander, liability, and more.

Another major part of the sports team insurance New York policy is accident insurance. This insurance covers players and coaches who become hurt during the course of play or practice. This might include play and participation in games, clinics, traveling, practices, and other events. This insurance usually pays off the remaining bills that are uncovered by the participant's health insurance.

Baseball Team Coverage

As many as one-quarter of all children ages 6 to 17 are involved in baseball as a team sport. It ranks among the three most popular sports for youth, so many companies have devised specific coverage packages for baseball teams that are made up of youth players. Generally, the policies combine accident coverage with liability coverage for all participants and covers the risks that are involved with baseball teams that travel as well as those who play locally.

Many of the youth teams that travel need insurance that expands beyond the norm too cover travel activities. Customizing your team's policy to your specific needs is important, whether you travel by van or bus or have parents carpooling members to events. Out-of-state travel should also be covered if your team travels across state lines. Work with an independent agent to iron out the details of your specific coverage needs.

Youth Football Insurance Coverage

One of the most dangerous youth sports is football. Organizations, leagues, and teams that play football should always have liability and participant accident policies in force. Most insurance experts suggest that a minimum of $100K in accident insurance is appropriate, since youth run the risk of concussions when playing tackle football.

The coverage selected should also carry a $1 million policy limit for future problems associated with football injuries. For instance, a player may have an injury that requires immediate treatment, only to find that ten years down the road, the old injury causes problems again. The organization should be able to cover that liability with a sufficient amount of sports team insurance New York coverage.

Additional Insurance for Sports Teams

In addition to covering accidents and injuries, the insurance you choose for your sports team should also cover:

  • Equipment. Damage to equipment should be covered under your policy or a separate rider.
  • Theft/vandalism. This insurance covers the theft of equipment or money belonging to the team or organization.
  • Excess liability. An umbrella adds additional liability protection for your team in the event of major claims.

Amateur Sports Teams And Leagues Insurance

Below are some of the most common amateur sports teams and leagues that need insurance:

  • Adult Football (Tackle & Contact)
  • Adult Lacrosse
  • Adult Power Lifting
  • Adult Water Hockey
  • Adult Water Polo
  • Adult Weightlifting
  • Adventure Races
  • Aerobic Exercise
  • American Rugby
  • Archery
  • Arm Wrestling
  • BMX Stunt Cycling
  • Badminton
  • Bandy
  • Baseball
  • Basketball
  • Baton Twirling
  • Biathlon
  • Billiards
  • Bobsled
  • Bocce Ball
  • Body Boarding
  • Body Building
  • Bowling
  • Box Lacrosse
  • Boxing
  • Broomball
  • Canoe
  • Cheerleading - Adult
  • Cheerleading - Youth
  • Climbing
  • Cricket
  • Croquet
  • Cross Country Ski
  • Curling
  • Cycling (Races)
  • Cycling (Touring & Closed Course)
  • Dance
  • Darts
  • Deck & Floor Hockey
  • Disabled Sports
  • Diving
  • Dodgeball
  • Drill Team & Majorette - Adult
  • Drill Team & Majorette - Youth
  • Equestrian
  • Exercise
  • Fencing
  • Field Hockey
  • Figure Skating
  • Fishing (On Shore)
  • Fishing (Open Water)
  • Fitness
  • Floor Hockey
  • Football (Flag & Touch)
  • Frisbee & Frisbee Golf
  • Golf
  • Gymnastics-Artistic
  • Gymnastics-Rhythmic
  • Hammer Throw
  • Handball
  • Hanetball
  • Hang Gliding
  • Horsehoes
  • Hostelling
  • Hurling
  • Ice Hockey
  • Inline Hockey
  • Inline Skating (extreme, aggressive, stunt, free-style)
  • Inline Skating (speed)
  • Jai Alai
  • Javelin
  • Judo
  • Karate
  • Kayak
  • Kickball
  • Kite Surfing
  • Lawn Bowls
  • Luge (street)
  • Marathon
  • Martial Arts
  • Martial Arts- Mixed
  • Modern Pentathlon
  • Motor Skills Development
  • Mountain Biking
  • Mountain Boarding
  • Orienteering
  • Outriggers
  • Parachute
  • Parasailing
  • Physical Fitness
  • Physique & Pose (Performance)
  • Pickleball
  • Polo (horse)
  • Racquetball
  • Rafting
  • Ringette
  • Rodeo
  • Roller Derby
  • Roller Hockey (quad)
  • Roller Skating
  • Rope Skipping
  • Rowing & Crew
  • Rugby
  • Running (5k or 10K)
  • Sailing
  • Scooter Hockey
  • Scuba Diving
  • Shooting
  • Skateboarding
  • Skiing (Downhill)
  • Sky Diving
  • Sky Surfing
  • Sled Dog Racing
  • Snorkeling
  • Snow Boarding & Snow Surfing
  • Soap Box Derby
  • Soccer Adult
  • Soccer Youth
  • Softball
  • Speed Skating
  • Sports Parachuting
  • Squash
  • Stick Hockey
  • Street Hockey
  • Strength & Conditioning
  • Surfing (including Boogie Boards)
  • Swimming
  • Table Tennis
  • Tae Kwon Do
  • Takraw
  • Team Handball
  • Tennis
  • Track & Field-Excld Javelin & Hammer Throw
  • Track and Field (indoor)
  • Trampoline
  • Trapeze
  • Triathlon
  • Tumbling
  • Ultimate Frisbee
  • Umpires & Referees Association
  • Unicycling
  • Volleyball
  • Wake Boarding
  • Walking
  • Water Ski
  • Wiffle Ball
  • Wind Surfing
  • Wrestling (Amateur Adult)
  • Wrestling (Amateur Youth)
  • Wrestling (Professional)
  • Wrestling (Roman & Greco)
  • Yachting
  • Youth Football (Tackle & Contact)
  • Youth Lacrosse
  • Youth Power Lifting
  • Youth Water Hockey
  • Youth Water Polo
  • Youth Weightlifting

Work with your licensed commercial agent to find the best quotes on the right sports team insurance New York policy for your team. An business insurance agent can give you quotes from several companies and recommend the level and type of coverage that your organization needs to fully mitigate potential liability and accident claims.

Additional Resources For Sports & Fitness Insurance

Learn about small business sports & fitness insurance policies and what they cover so that your customers, employees, and equipment are protected.


Sports And Fitness Insurance

The sports and fitness industry is a high-risk industry that requires insurance to protect businesses and individuals from unexpected accidents and injuries. This is especially important for businesses that offer physical activities or equipment, as they are more likely to face lawsuits if a customer is injured while participating in their services.

Additionally, the sports and fitness industry often involves high-value equipment and facilities that need to be protected from damages caused by natural disasters, vandalism, or theft. Commercial insurance can provide coverage for these types of losses, ensuring that businesses are able to continue operating and providing services to their customers.

Business insurance also plays a critical role in protecting the personal health and safety of those participating in sports and fitness activities. Accidents and injuries can occur at any time, and having the right insurance coverage can provide financial protection for medical expenses, lost wages, and other related costs.

Overall, the sports and fitness industry needs insurance to safeguard businesses and individuals from the risks and challenges that come with providing physical activities and equipment. Without insurance, the industry would be vulnerable to significant financial and legal losses, which could ultimately harm its ability to thrive and grow.

Minimum recommended small business insurance coverage: Building, Business Personal Property, Business Income and Extra Expense, Employee Dishonesty, Money and Securities, Accounts Receivable, Bailees, Computers, Contractors' Equipment, Golf Carts, Valuable Papers and Records, General Liability, Employee Benefits, Environmental Impairment, Umbrella, Hired and Non-owned Auto & Workers Compensation.

Other commercial insurance policies to consider: Earthquake, Equipment Breakdown, Flood, Mobile Equipment, Cyber Liability, Employment-related Practices, Liquor Liability, Business Automobile Liability and Physical Damage, Garagekeepers, Stop Gap Liability and Unmanned Aerial Vehicles (UAV) (Drones).


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Borough Park, Bronx Park and Fordham, Brooklyn, Bushwick and Williamsburg, Canarsie and Flatlands, Central Brooklyn, Central Harlem, Central Queens, Chelsea and Clinton, East Harlem, East New York and New Lots, Flatbush, Gramercy Park and Murray Hill, Greenpoint, Greenwich Village and Soho, High Bridge and Morrisania, Hunts Point and Mott Haven, Inwood and Washington Heights, Jamaica, Kingsbridge and Riverdale, Lower East Side, Lower Manhattan, Manhattan, Mid-Island, North Queens, Northeast Bronx, Northeast Queens, Northwest Brooklyn, Northwest Queens, Port Richmond, Queens, Rockaways, South Shore, Southeast Bronx, Southeast Queens, Southern Brooklyn, Southwest Brooklyn, Southwest Queens, Stapleton and St. George, Staten Island, Sunset Park, Upper East Side, Upper West Side, West Central Queens, West Queens and all other NY cities & New York counties near me in The Empire State.

Also find NY local small businesses by General Liability Class Code and learn about New York small business insurance requirements for general liability, business property, commercial auto & workers compensation including NY business insurance costs. Call us (212) 235-2003.

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