The Short Answer
As a youth sports coach you are personally exposed to liability claims whenever a player is injured during practice or a game. Even if your organization carries general liability insurance, gaps in coverage can leave you personally responsible for damages — especially if allegations of negligence, improper training, or abuse arise.
Players Health offers individual coach insurance that covers general liability, professional liability (coaching errors and omissions), and abuse & molestation. This coverage can stand alone or sit excess over an organization's master policy.
Many leagues and facilities now require coaches to carry their own proof of insurance in addition to what the team or club holds. An individual coach policy from Players Health satisfies this requirement and takes only minutes to obtain online.
The cost of coach liability insurance is typically $150–$350 per year depending on sport, age group, and coverage limits. It is one of the most cost-effective protections available to anyone working with youth athletes.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Professional Liability / E&O | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | – |
| Accident Medical | – |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |