Hockey Liability Insurance

A comprehensive hockey liability insurance policy may include the following coverages:

• Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injury and property damage claims from hockey-related activities. It may provide financial support if facing claims due to accidents or incidents during games, practices, tournaments, or other sanctioned events.

• Commercial Property Insurance: Commercial property insurance protects your finances from damage or loss to an arena you own or manage and the contents inside the building due to fire, water damage, natural disasters, theft, and vandalism.

• Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability insurance is vital for coaches, instructors, and trainers. It covers them for claims related to professional negligence, errors, or omissions in the performance of their duties. For example, if a coach or instructor fails to meet the expected standard of care and a player is injured or suffers harm as a result, they may be liable..

• Spectator Liability Insurance: This coverage covers leagues and rink owners for claims from spectators who suffer bodily injury or property damage while attending hockey games or events. It can include coverage for incidents such as slips and falls, flying pucks, or other spectator-related accidents.

• Cyber Liability Insurance: Cyber liability insurance provides support following a cyber-attack or data breach that exposes players’ confidential information. While the need for cyber insurance may vary depending on the size and nature of your organization’s operations, it is generally recommended for entities that handle sensitive information and rely on technology for their activities.  

• Legal Expense Insurance: An affordable add-on to your policy, legal expense insurance provides funds for expenses associated with defending against liability claims or lawsuits. It includes coverage for attorney fees, court costs, and settlement or judgment amounts up to the policy limits.

• Event Liability Insurance: If you, your league or team organizes or hosts a hockey tournament or training camp at a rink or venue you don’t own, you should add temporary event liability insurance to your policy. It covers third-party bodily injuries and third-party property damage resulting from your actions or incidents that occur during the tournament or training camp. General liability insurance may be insufficient for covering organizers, and venue owners will typically require tournament hosts and organizers to carry event liability coverage.

Your policy may require additional coverage. Speak to a Zensurance broker if you have questions.