The Short Answer
Several key factors affect the price of a youth sports insurance policy: the number of insured participants, the type of sport and its injury risk profile, the organization's annual revenue, the coverage limits and deductibles selected, and the organization's claims history.
Higher-risk sports — tackle football, competitive gymnastics, wrestling, hockey — command higher premiums than lower-contact recreational sports. The age of participants also matters: programs serving older youth (high school age) may have different pricing than those serving 5–8 year olds.
Organizations with a history of claims will typically see higher renewal premiums. Maintaining good risk management practices — proper supervision ratios, background-checked coaches, safe facilities — can help keep premiums stable over time.
Players Health uses data from thousands of youth sports organizations to price policies accurately. Rather than applying broad industry averages, we build pricing around the specific characteristics of your program so you're not overpaying for coverage you don't need.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | ✓ |
| Umbrella / Excess | ✓ |
| Workers Compensation | – |
| Property Coverage | – |
| Event Cancellation | – |