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Insurance for Sports Trainers & Coaches

Instant sports trainer & coaches insurance that combines professional indemnity, public liability and products liability

Starts from $323 per year

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What is covered under the sports coaches insurance policy?

Sports Trainer insurance under the allied health professionals insurance covers sports trainers, athletic trainers and sports coaches is designed to include professional indemnity, public liability and products liability.

The policy is suitable for sports trainers working with a company/institute or as a business owner.

The policy can cover sports trainers that work full time, part time or freelance. 
Public Liability

Public liability insurance protects you and your coaching and training business against any liability if someone is injured on your premises or while you are providing your services.

Professional Indemnity

Professional indemnity insurance protects you for claims made against your sports coaching business in the course of providing your coaching and training services.

Third Party Property Damage

Products liability insurance protects you for claims made against your coaching and training services for any products sold or supplied by you to a third party.

Investigation Costs

Investigation costs cover legal costs and expenses in responding to an investigation from an official body on a complaint made against you or your coaching and training services.

Defamation

Protects you and your coaching and training services against any actual or alleged defamation, or harm to the reputation of a third party online or in public in relation to the provision of your coaching and training services.

other benefits

Value added benefits of the sports coaches insurance policy

Contract Review

This entitles you to four contract reviews each year you have your sports trainer policy. This can be used for any contract that might impact your insurance policy. An example of this might be retaining a contractor.

Complimentary Legal Advice

This provides 1 hour of complimentary legal advice to you each year from our insurance partner's panel of solicitors, for any matter which is notified to us and may become a claim.

Whistleblower Hotline

You and your business employees can access a Whistleblower Hotline that is provided by our insurance partner at no additional cost to you.

cover for all situations

This sports trainer insurance covers

Coaching for after-school programs
Coaching for holiday programs
Training routines
Contact sports training
One-on-one coaching
Non-contact sports training
Coaching through sports clubs
Amateur sports only (not professional sports coaching)
Competitions and matches played through clubs, leagues, federations and associations

This insurance covers your coaching and training services:

During school holidays
Outside of competition rosters
No limit on the number of hours you train and coach
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events covered
Physical Injury

A child gets injured while training for next season’s football season under your supervision. Turns out you were conducting the session without handing out the proper gear.

Trips, Slips and Falls

A player slips over a tennis ball that had not been cleared in front of the tennis court after a session, and fractures their shoulder

Negligence

A young player collapses while playing netball. You’re the coach but do not administer proper first aid and CPR leading to serious health complications for the player and added stress to the family.  

Error of Judgement

You’re a football coach and conduct a game in a carpark rather than on the regular soccer field due to rain. A player ends up breaking their ankle from slipping over some oil. You can be sued for not playing the game at an appropriate and safe place

Bad Professional Advice

A player was injured severely during a rugby league match for an A grade high school team. You suspected concussion, and knew this had occurred a number of times throughout the season, however each time you did not alert this or ensure the player left the field to properly recover and be medically assessed. This led to the parents claiming sustained short term memory loss, and difficulty learning in their final year exams.

Third Party Damage

In a particularly wet season, your top team has missed three training sessions in a row. So that your players can continue to practice for the upcoming season, you arrange a new location for the group to train in a covered area. This was close to a residential area and led one student to damage an Audi that was parked nearby.

Sports COVeRED

What types of sports are covered under the sports trainer insurance policy?

Ball Sports
Rubgy
Football & Soccer
AFL
Tennis
Baseball
Netball
Volleyball
Basketball
Any many more!
TeAm Sports
Athletics
Gymnastics
Archery
Table Tennis
Roller Sports
Dance Sports
Cycling
Rowing
Swimming
Disabled Sports
Any many more!
Individual sports
Hockey
Athletics
Golf
Archery
Roller Sports
Dance Sports
Cycling
Triathlon
Swimming
Disabled Sports
Pole Fit
Any many more!
exclusions

What is not covered (exclusions) under the sports trainer insurance policy?

Abuse

Abuse excludes cover for any insurance claim that might arise from actual or alleged verbal, physical, sexual abuse, molestation, assault, battery or violence.

Dishonest / wilful acts

Dishonest and/or wilful acts exclude cover for any insurance claim that might arise from dishonest, fraudulent or criminal acts.

Alcohol and Drugs

This excludes cover for any insurance claim that might arise from use of alcohol, illegal drugs, narcotics and intoxicants

*For all policy exclusions, please refer to the policy wording and general terms & conditions.

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Other occupations covered

Check out some other occupations covered under the allied health professionals liability insurance

Yoga Instructors
See More
Pilates Instructors
See More
Personal Trainers
See More
Dieticians
See More
Nutritionist
See More
Other 20+ fitness Professions
See More
how upcover works

How upcover works

To get your instant policy quote, all you need to enter is your occupation as a sports trainer and your expected income!

No emails, no name, no personal information!

Get instant proof of insurance instantly

Whether you need to get sports coaching insurance to win that client, to access a council park or beach or to instruct some classes at your new gym, having a certificate of insurance at your fingertips certainly helps!

With upcover, you can get your certificate of insurance instantly. Even better, you can share it with one click!

Sky's the limit!

With insurance limits of up to $10m professional indemnity and $20m public and products liability, plus reinstatements, sports trainer insurance is the perfect solution for sports coaches and athletic trainers.
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FAQs

You Ask, We Answer

Why is sports trainer insurance important?

As a sports trainer, you play a huge role in helping your players reach their full potential. Along with sports, your students also learn crucial life skills like sportsmanship, teamwork, integrity. 

Being a sports coach means you’re always encouraging people to push themselves harder. In doing so, there could be injuries and accidents. Your player or their family may hold you responsible, putting at risk everything you have worked for.

Professional Indemnity insurance protects you and your sports coaching business against advice and training you give to your players - whether on field, off field, pre-game or even during one.

You’ll find it easier to land a job and institutions more eager to work with you if you already have sports trainer insurance.

What can a sports trainer be sued for?

While we hope it doesn't happen, sports trainers can potentially be sued for
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1. Covering medical costs (current and future) for a client that is injured
2. Loss of a client's earning capacity when the client is off work
3. Additional compensation if the damage to the client is permanent/long-lasting
4. Mental trauma, pain and suffering of the client from the injury

What limits are available with upcover?

You can get covered today with tailored sports trainer insurance that provides public & products liability insurance limits available up to $20m, and professional indemnity limits available up to $10m.

Who is upcover?

upcover is an insurtech that works with the oldest insurance markets and global leaders in insurance innovation. All insurance products are underwritten by ProRisk. Our aim at upcover is to make it super easy for small businesses to buy insurance and be well-informed about their choices.

What occupations are covered under sports trainer insurance?

Sports Trainer
upcover Pty Ltd ABN 17 628 197 437 (“upcover”) is Corporate Authorised Representative (CAR 1299211) of Experience Insurance Services Pty Ltd (AFSL 539078).
upcover is a Corporate Authorised Distributor and has entered into an arrangement with Armada Underwriting Pty Ltd ABN 84 000 989 131 AFSL 237402 (“Armada”) and Mercurien Insurance Pty Ltd ABN 68 150 845 177,  AFSL No 480284 (“Mercurien”). upcover markets insurance products and services on behalf of Armada and Mercurien respectively. Cover is subject to the terms, conditions, limits and exclusions of the Policy. All insurance is underwritten by Professional Risk Underwriting Pty Ltd  ABN 80 103 953 073 AFSL 308076 (“ProRisk”) under an authority to bind cover on behalf of Swiss Re International SE, Australia Branch ABN 38 138 873 211 (“Swiss Re”) or Mercurien on binding authority from Assetinsure Pty Ltd ABN 65 006 463 803, AFSL 488403. Armada, ProRisk, Mercurien and upcover and their employees act as agents of Swiss Re and Assetinsure Pty Ltd, not as your agent. Neither ProRisk, Armada, Mercurien or upcover act on your behalf when distributing the insurance products and services and any advice provided is general advice only and does not consider your objectives, financial situation or needs.
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Information provided is general advice only and has been prepared without taking into account any person's particular objectives, financial situation or needs. Read the relevant Product Disclosure Statement or Policy Document available and consider whether it's appropriate before making any decisions about whether to buy a product.
© Copyright 2019 - 2023 upcover Pty Ltd ABN 17 628 197 437, CAR 1299211 of Experience Insurance Services Pty Ltd ABN 41 657 596 506, AFSL 539078