The Short Answer
Workers compensation insurance covers medical expenses and lost wages for employees who are injured on the job. For sports organizations, this includes paid coaches, administrative staff, groundskeepers, and any other W-2 employees.
Most states require workers compensation coverage as soon as you have even one paid employee. The specific requirements vary by state — some states require it for part-time employees and seasonal staff, others have thresholds based on hours worked or annual payroll.
Volunteer coaches are generally not covered by workers compensation (they're not employees), but paid staff — including part-time coaches and seasonal camp counselors — almost certainly are. Misclassifying workers as volunteers or independent contractors can create significant legal and insurance risk.
Players Health can help you understand your workers compensation obligations in your state and include it as part of a comprehensive organization insurance program. Requirements and pricing vary significantly by state and sport.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Workers Compensation | ✓ |
| Accident Medical | ✓ |
| Directors & Officers | ✓ |
| Abuse & Molestation | ✓ |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |