The Short Answer
Referees and officials are increasingly named in lawsuits by athletes and parents who allege that bad calls contributed to injuries or unfair outcomes. While most claims are dismissed, the legal defense costs can be substantial without proper coverage.
A referee liability policy covers you when you're sued in connection with your officiating duties — including allegations of negligence, failure to enforce rules, or inadequate safety responses during a game.
Many league and tournament operators now require referees to carry their own proof of liability insurance in addition to whatever coverage the organizing association provides. Players Health offers individual referee policies that satisfy these requirements.
Referee insurance is among the most affordable coverage products in sports — typically $100–$250 per year for general liability protection. Players Health allows officials to cover multiple sports and events under a single annual policy.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Professional Liability / E&O | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | – |
| Accident Medical | – |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |