Soccer Insurance

Soccer Insurance

Comprehensive, low-cost protection for soccer leagues, teams, administrators, coaches, and trainers

Zensurance - Soccer Insurance

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Soccer Player

Insurance for soccer teams, leagues, and coaches

Known internationally as ‘the beautiful game’, soccer is Canada’s largest participatory team sport, with an estimated 1 million players, coaches, referees, volunteers and administrators, according to Canada Soccer.

It is also estimated that 16% of all Canadian youth between the ages of three and 17 play organized soccer, making it the most popular sport among young Canadians.

However, the risk of accidents, injuries to players and spectators, property damage, and lawsuits from soccer-related activities can lead to significant financial losses for league administrators, team owners, and coaches.

A customized soccer insurance policy protects amateur leagues, teams, coaches, referees and trainers from the many liability risks they face.

Soccer liability insurance is a customizable policy designed to provide financial support to leagues, teams, coaches, trainers, and volunteers if they are faced with a claim for damages or allegations of negligence and wrongdoing.

Whether a third-party bodily injury to a player or spectator, accidental damage to third-party property, or a lawsuit arising from an accusation of professional negligence, soccer liability insurance can help you cover costs and recover quickly.

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.

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

The cost of a soccer insurance policy is determined by insurance providers and is based on several factors, including:

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

Far worse than getting a red card, one accident, allegation of wrongdoing, or property damage claim can personally cost you thousands of dollars without a comprehensive soccer insurance policy.

Anyone involved in organizing, administrating, managing, and running an amateur soccer league or team should have coverage, including:

  • Coaches and instructors
  • League administrators
  • Team managers
  • Trainers and volunteers
  • Field and facility owners
  • Soccer officials and referees
  • Soccer tournament organizers
  • Soccer associations
  • Soccer camp instructors
  • Sponsors, vendors, and suppliers involved in sponsoring soccer events, teams, or leagues

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Common claims scenarios

Soccer Injury

Problem: A young player on a team you coach is injured during a practice. Her parents accuse you of inadequate supervision and file a professional negligence claim against you.

: Professional liability insurance may cover legal fees for hiring a lawyer to defend yourself and pay a financial settlement.

Problem: A water pipe burst overnight in the indoor soccer training facility you own, causing significant damage. You are forced to close the facility until repairs are completed temporarily.

: Commercial property damage may pay to repair the burst pipe and water damage to the facility, and business interruption coverage may pay for your operating costs, such as mortgage payments, utility bills, and employee payroll while your facility is shut.

Spectators at soccer game

Problem: A spectator attending a soccer tournament you organized and host is injured after being struck unexpectedly by an errant soccer ball.

: Spectator liability insurance may cover the injured person’s medical and rehabilitation expenses.

Frequently asked questions

Does soccer liability insurance cover auto collisions or accidents?

If you have commercial auto insurance as part of your soccer liability policy, yes, a transportation-related accident involving a team bus, van, or private vehicles transporting players, coaches, and a team’s volunteer staff may be covered. Most private-passenger car insurance policies do not cover accidents involving a vehicle used for business purposes to transport people, materials, or packaged goods. Speak to a licensed Zensurance broker if you have questions about commercial auto insurance.

What types of third-party bodily injuries to players does a soccer insurance policy cover?

Many insurers offer participant injury coverage within a soccer liability insurance policy to cover participants in a soccer game under the policyholder’s (i.e. the team or the league) coverage. Speak to a Zensurance broker if you have questions.

Do referees and league officials need soccer liability insurance?

Yes. Referees and officials responsible for officiating soccer matches and tournaments may face lawsuits, claims, or allegations of negligence arising from their decisions or actions during games.

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Don’t let an expensive accident or incident find the back of the net and cost you thousands of dollars in losses or damage your reputation. Protect yourself with a low-cost, customized soccer liability insurance policy from Zensurance.

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Our knowledgeable brokers will shop our insurer partner network to get the affordable coverage you need quickly, tailor it to suit your requirements, and send you your policy documents and a certificate of insurance.