Soccer Insurance

A comprehensive soccer insurance policy may include the following types of coverages:

• Commercial General Liability (CGL) Insurance: CGL, or general liability insurance, covers third-party bodily injury and third-party property damage claims during soccer-related activities, such as games, practices, tournaments, and training camps.

• Commercial Property Insurance: Commercial property insurance protects your finances from damage or loss to a soccer field or training facility and the property’s contents caused by fire, water damage, natural disasters, theft, and vandalism. Commercial property insurance may also include business interruption insurance to cover your overhead costs if a facility you own is forced to temporarily close for repairs following an insurable loss, such as a fire.

• Professional Liability Insurance: Also called errors and omissions (E&O) insurance, professional liability insurance is critical for coaches, instructors, league administrators and trainers. It’s designed to pay for claims related to professional negligence, errors, omissions, and allegations of failing to provide a service as promised. For example, if a coach or instructor fails to meet the expected standard of care and a player is injured or suffers harm, they may be liable.

• Spectator Liability Insurance: Spectator liability coverage protects leagues and facility owners from claims of third-party bodily injury or third-party property damage suffered by spectators while attending a game or event. It covers unexpected accidents or injuries to spectators, such as a trip and fall on bleachers or damage to their property during a game or practice.

• Cyber Liability Insurance: Cyber liability insurance provides support following a cyber-attack or data breach that exposes players’ confidential information, even if you only use email, social media networks, and manage a website. No individual or organization is immune from cybercrime.

• Legal Expense Insurance: Legal expense insurance provides funds for expenses associated with defending yourself against liability claims or lawsuits. It includes coverage for legal advice fees, court costs, and settlements or judgments against you up to your policy’s coverage limits.

• Event Liability Insurance: Amateur soccer leagues, teams, and coaches hosting or organizing tournaments, training camps, and fundraising drives require event liability insurance to cover the risk of third-party bodily injuries or third-party property damages that can happen during those events. General liability insurance may be insufficient for covering organizers, and venue or facilities owners will typically require tournament hosts and organizers to carry event liability coverage.

Your policy may require additional coverages to create a comprehensive policy. Speak to a Zensurance broker if you have questions.