Hockey Insurance

Hockey Liability Insurance

Canada’s favourite game poses liability risks for leagues, teams, coaches, and trainers. Get the comprehensive hockey insurance you need.

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Insurance for hockey teams, leagues and coaches

Wherever you go in Canada, chances are you’ll see a hockey rink or pickup game in action. 

Canada has more indoor and outdoor ice hockey rinks than any other country, with an estimated 2,860 indoor and 5,000 outdoor arenas. Our love for hockey is deeply ingrained in our country’s culture and history.

But liability risks can arise from different aspects of the sport. A customized ice hockey insurance policy protects amateur leagues, teams, coaches, and trainers, from player injuries to improper training and instruction to premises liability.

Hockey liability insurance is a tailored policy consisting of different coverages designed to safeguard leagues, teams, facility owners, coaches, and hockey instructors and trainers from the risks they face.

Amateur hockey leagues and teams in Canada are typically managed and run by various professionals who contribute to the administration, coaching, and operations of teams and leagues. As a result, they face a range of liability threats, including third-party bodily injury and property damage to professional negligence claims.

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. 

Insurance providers weigh several factors when determining the cost of a policy, whether it’s hockey team insurance, hockey camp insurance, hockey tournament insurance, or coverage for coaches, instructors, and trainers. Those factors include:

  • Your location
  • The services you provide
  • Your experience, training, and certification
  • The facilities you own and operate (if applicable)
  • The value of the equipment you own
  • The number of employees you have (if applicable)
  • The average age and number of players on your team, league, or enrolled in a hockey program
  • Your annual and projected revenue
  • Your insurance claim history

Hockey liability insurance is essential for various professionals running and managing leagues, teams, and events, including:

  • Ice and ball hockey teams
  • Hockey arena owners
  • Spring and summer hockey camps
  • Hockey leagues
  • Hockey tournaments
  • Hockey coaches
  • Hockey instructors and trainers
  • Hockey volunteer coordinators
  • Hockey officials and referees

Getting insured is quick and easy!

Complete our 5-minute online application for a free hockey liability insurance quote.

Common claims scenarios

Hockey camp student

Problem: While instructing youth hockey players at a training camp, one of the players falls and breaks an arm. The player’s family threatens you with legal action.

Outcome: Your commercial general liability insurance may cover the cost of the injured player’s medical and rehabilitation expenses and your legal expenses to settle the matter.

Hockey trainer

Problem: A hockey instructor teaching youths the elements of the game is accused of misconduct for how he treats his students.

Outcome: Your professional liability insurance may cover the cost of defending yourself against the allegation.

Problem: An amateur hockey coach is accused of teaching improper training techniques to his team’s players. The parents of the players threaten to sue.

Outcome: Your professional liability insurance may cover your legal expenses and potential damages from the accusation.

Frequently asked questions

Does hockey liability insurance cover me if I coach hockey outside of Canada?

The coverage provided by hockey liability insurance can vary between policies and providers. Some policies may offer worldwide coverage, while others may have territorial limitations. It’s essential to review the policy terms and conditions to understand the extent of coverage when coaching or playing hockey outside of Canada. If international coverage is not provided, additional coverage or a separate policy may be needed. Speak to a Zensurance broker if you have questions.

Can I add additional insureds to my hockey liability insurance policy?

Yes. Many hockey liability insurance policies allow adding other parties, including facility owners, sponsors, volunteers, or other entities requiring coverage under your policy. Adding additional insured parties to your policy involves no cost and provides the additional insureds with protection under your policy in case of a covered claim or lawsuit.

Can hockey liability insurance help protect me against lawsuits related to concussions or head injuries suffered by a player?

Hockey liability insurance may provide coverage for lawsuits related to concussions or head injuries, subject to the terms and conditions of the policy. However, your insurance policy may have exclusions or limitations for pre-existing conditions, repetitive trauma, or certain injuries. It’s advisable to carefully review the policy language and speak to a Zensurance broker to understand the extent of coverage for concussion-related claims.

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Ready to start? Let’s get a quote!

Before you drop the puck at the start of a new hockey season or tournament, protect your finances, career, and reputation by getting a customized hockey liability insurance policy from Zensurance.

Fill out our online application for a free quote. We’ll shop our partner network of more than 50 insurance providers to find the low-cost coverage you need quickly.