Koosh Insurance · Specialized Risk Solutions / Industries

    Sports Insurance

    The youth-league injury where the parents sue the league, the coach, and the field owner. The fitness facility member who claims a trainer's negligence. The high school athlete with a catastrophic spinal injury. Sports operations carry concentrated injury exposure, plaintiff-friendly venues, and a participant population that includes minors and waiver-resistant adults. Standard commercial coverage misses most of what makes sports different.

    See what's covered

    Coverage

    What this coverage includes

    • General liability with sports-specific endorsements — participant injury, spectator injury, premises
    • Participant accident coverage — primary or excess medical for athletes and program participants
    • Catastrophic accident coverage for severe and life-altering injuries
    • Directors & officers for league boards, association governance, and nonprofit sports organizations
    • Employment practices liability for staff and coach-related claims
    • Sexual abuse and molestation coverage — essential for any youth-serving sports program
    • Equipment and contents coverage for facilities and program equipment
    • Cyber liability for organizations holding participant data and payment information
    • Auto liability for vehicles used for team transportation

    Who Buys This

    Who typically buys this coverage

    • Youth sports leagues — soccer, baseball, hockey, lacrosse, basketball, football
    • High school and middle school athletic programs (when independently insured)
    • Travel and club teams at all levels
    • Intercollegiate athletic programs (private institutions and supplemental coverage for public)
    • Professional and semi-pro leagues
    • Fitness facilities and gyms including yoga, pilates, CrossFit, and martial arts
    • Sports tournament and event organizers
    • Coaches, trainers, and sports professionals carrying individual liability
    • Sports camps and clinics

    Why Koosh

    Why Koosh Insurance

    Sports insurance sits in a specialty market with unique exposures, plaintiff-friendly venues, and forms designed for the actual ways sports programs operate. Generalist placement leaves gaps that surface at the worst possible moment. Every game has the same risk in the first minute as in the last. The coverage should run the whole way through.

    Sports specialty market access — programs built for youth leagues, fitness, intercollegiate, and event-driven sports.

    Catastrophic accident structuring — sized to the actual sport and program, not a generic minimum.

    Abuse prevention and SAM coverage — appropriately sized with retroactive coverage where needed.

    Waiver and risk-management coordination — we work alongside legal counsel to align documentation with coverage.

    Background check and program standards — many carriers require specific risk-management practices, and we communicate them clearly.

    Coordination with venue, host, and league insurance — multi-party events and shared facility programs handled deliberately.

    FAQ

    Frequently asked questions

    Helpful but not bulletproof. Waivers are interpreted differently by state, can be challenged on enforceability grounds, and don't apply to gross negligence or willful misconduct. They're a useful risk-management tool, not a substitute for insurance.

    Most leagues and programs require participants to carry primary health coverage; the program's participant accident policy typically responds as excess. Some programs offer primary participant accident coverage instead. We confirm what's required by state, league, and contract.

    No. Standard participant accident covers medical costs up to a limit (often $25,000-$100,000). Catastrophic coverage responds to severe injuries — paralysis, traumatic brain injury, death — at much higher limits ($1M-$10M+). For contact sports, programs serving minors, and high-risk activities, catastrophic coverage is appropriate.

    Waivers don't eliminate the lawsuit, just affect how it resolves. Members claim trainer negligence, equipment failure, premises issues, and instruction errors regularly. GL covers the defense and any judgment regardless of what waivers may eventually be decided to mean.

    Usually yes for liability arising from coaching activities authorized by the league. Many leagues require coaches to be background-checked and trained as a condition of coverage, and individual coaches sometimes carry their own coverage for activities outside league authorization.

    Sexual abuse and molestation coverage is essential for any youth-serving organization. The exposure has driven significant changes in youth sports — background checks, two-deep leadership, abuse prevention training, and specific coverage requirements. We structure this carefully.

    Related

    Related services

    Healthcare Facilities

    Hospitals, clinics, and medical providers.

    Medefense Coverage

    Legal defense costs and regulatory risks in healthcare.

    Life Sciences

    Medical devices, pharmaceuticals, R&D, biotech, clinical trials.

    This page provides general information about Sports Insurance insurance and is not a substitute for tailored advice from a licensed insurance broker. Coverage availability, terms, exclusions, and pricing depend on your specific business operations, location, claims history, and carrier underwriting. Contact a Koosh Insurance broker for a personalized consultation. Koosh Insurance — License #L135215.

    Get a quote for Sports Insurance

    Talk to a licensed Koosh broker. We'll review your specific situation, source quotes from appropriate carriers, and walk you through the coverage that actually fits your business.

    (954) 309-3900
    service@koosh-ins.com
    4491 S State Rd 7, Suite 202, Davie, FL 33314