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Sports coach insurance

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What's on this page

Why is sports coach insurance important?

From tennis to football coaching, insurance forms a key part of your business set-up. Without it, you could be exposed to very expensive public liability claims for injuries and property damage, as well as losses on your specialist equipment and employee legal cases, or your own injuries which stop you working.

  • sports public liability insurance, starting at £1 million
  • optional personal accident cover, in case an accidental injury stops you working
  • rated 4.7/5 based on 39K+ public liability customer reviews
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Insurance for sports coaches – what’s covered?

Typically, we’ll start with public liability insurance for sports coaches, built to cover professionals like you against third party accidents, from property damage to injuries. Most quotes also build in employers’ liability insurance for your staff, if you have any. From there, you can add specific cover for specialist equipment, plus personal accidents which may stop you working, like a broken knee.

Public liability insurance for sports coaches

In case you or your employee injure someone or damage their property.

What’s typically covered by public liability insurance?

Claims against your business for:

  • damage to someone’s property, caused by your sports coaching business
  • an injury or illness caused by your business activities
  • accidental damage or injuries caused by your employees

For example:

  • you ask a footballer you’re coaching to partner you in a demonstration and they fracture a bone in their foot
  • while training you drop a heavy item on the venue’s wooden floor, cracking it in several places

If you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case an employee gets sick or injured while working for you.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your employee injures their back while carrying training equipment to your van
  • while lifting weights into your car, your summer temp drops a crate onto their foot, breaking two bones

Business and office equipment insurance

In case something happens to your coaching equipment.

What’s typically covered by business and office equipment insurance?

  • accidental damage to the equipment you use to run the business
  • theft, flood, and fire damage

For example:

  • someone breaks into your home office and steals your tablet and headphones, which you use for work
  • a flood over Christmas causes water damage to your work laptop

Read more about business and office equipment insurance

Tools insurance

In case your specialist training tools are lost, stolen, or damaged.

What’s typically covered by tools insurance?

  • loss, damage, or theft of your tools and equipment
  • handheld, portable tools, including electronics
  • cover for your tools in transit in any vehicle owned or leased by you, anywhere in the UK

For example:

  • while teaching at a school your tools are stolen from your kit bag
  • your car is stolen from outside a stadium, and the tools inside are never recovered

Read more about tools insurance

Stock insurance

In case the materials you rely on for work are lost, stolen, or damaged.

What’s typically covered by stock insurance?

  • loss, damage, or theft of things like branded materials and training kit

For example:

  • you’ve ordered a shipment of branded vests for a football team you’re coaching, which gets damaged in a flood at your business storage unit
  • several units of tennis balls, nets, and branded water bottles you’ve ordered fall out of the back of your van, and aren’t recovered

Read more about stock insurance

Legal expenses insurance

In case you face legal costs in connection with your sports coaching

What’s typically covered by legal expenses insurance?

  • legal costs attributed to coaching business
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes and investigations you need help with
  • access to expert advice – including a tax advice phone line, confidential 24/7 legal phone line, and crisis PR support to help you protect your professional reputation

For example:

  • you incur legal costs when an employee raises a claim against you for an unsafe working environment
  • HMRC begin a randomised investigation into your tax affairs, and you need to hire legal representation

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

  • accidental injury or death at or outside of work, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • you break your knee while taking part in a marathon, and can’t work at full capacity for eight weeks
  • your business partner suffers a head injury while coaching a squash player

Read more about personal accident insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does sports coaching business insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £6.56 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 January - 31 August 2021). Most customers pay more than this but some pay less.

Example sports coaching insurance quotes, real prices

£6.99 /month

£49.93 /month

Local leisure football league coach

  • 2-3 years' experience
  • Sole trader
  • No employees
  • Based in Leicester

Public liability

£1,000,000


Employers’ liability

Not included


Contents & business equipment

Not included

£75.13 /month

£667.83 /month

Small coaching team who run an amateur sports league

  • 5+ years' experience
  • Limited company
  • 3 employees
  • Based in Oxford

Public liability

£5,000,000


Employers’ liability

£10,000,000


Contents & business equipment

£2,500

How we work out example quotes These examples are real quotes from our online system (created 11/08/2021). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance coverLowest excessHighest excess
Public liability£100£2500
Employers' liabilityNo excessNo excess
Tools£60£500
Stock£100£500
Business and office equipment£50£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

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How do I choose insurance?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Can I just cover my most expensive tools?

Make sure you cover the total cost of replacing all your tools or you’ll only get a proportion of your claim paid out if something happens to them. Learn about tool cover.

Which type of workers do I need insurance for?

Employers’ liability insurance is a legal requirement if you employ people.

If you have people working for you, including bona fide subcontractors (BFSC), labour-only subcontractors (LOSC), part-timers, or full-time staff, employers’ liability insurance is required by law.

Read on for our simplified guide to the difference between labour-only subcontractors and bona fide subcontractors.

Will tools insurance cover all my equipment?

Depending on what you use to do your work, you may need other covers.

You may need more than tools insurance – for example, business equipment insurance if you have a work laptop, plant insurance if you use machinery.

Does sports coaching insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider massage insurance or fitness instructor insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.


Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

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How do claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

£28 million in claims paid out in 2021

Paying 80% of settled claims within 24 hours in 2021

Chosen by 800,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 800,000 customers across 1,500 trades now trusting us to provide their business insurance.

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Sports coach insurance FAQs

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about sports business insurance. You can also check out our business insurance FAQs.

  • A ball through a car window or a complex foot fracture – coaching at any level carries specific everyday risks. A sports coaching insurance policy is designed to keep your focus on your clients, trainees, and players, not all the things that could go wrong, from employee injuries to expensive property damage.

    There’s no legal requirement for insurance for sports coach insurance in the UK, unless you employ anyone – if so, employers’ liability cover is usually required by law – but if you were hit with several thousands pounds in expensive injury claims, for example, would you have the funds ready?

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re a plumber, you may also do building work on certain jobs – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 043 8527 and one of our insurance experts will help you set up your policy in minutes.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • If you change your business legal structure from sole trader to limited company mid-way through your policy, give us a call straight away on 0333 043 8527. It’ll only take us a few minutes to cancel your existing policy and replace it with one that correctly covers your new legal structure. It’s worth bearing in mind that your insurer and premium amount may need to change.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

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