The Hartford doesn’t offer sports insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is Sports Insurance?
Sport insurance is another name for small business insurance. It’s a package made up of different types of business insurance coverages to help protect leagues, facilities and events from the risks that come with running an athletic organization. Whether it’s a player’s injury during practice, property damage at your training site or a claim from a volunteer or spectator, the right protection can keep a setback from turning into a shutdown. These are the common types of coverages that a sports insurance package can include:
- Business Owner’s Policy (BOP)
- Cyber insurance
- Commercial property insurance
- Workers’ compensation insurance
Although The Hartford doesn’t offer insurance for sports organizations, Tivly can help you get the coverage you’re looking for.
Why Might You Need Sports Insurance?
Sports insurance is a collection of coverages designed to help protect your organization from the risks that can throw your season off course. For example, if a travel team’s van gets rear-ended en route to a game or your gear trailer is broken into overnight. These aren’t just unfortunate events. They’re costly disruptions that can strain your resources and stall your momentum.
Sports insurance can protect your business from many potential risks, like:
- Equipment loss: Your soccer nets and practice balls are stolen from a storage unit.
- Property damage: A rogue baseball shatters a windshield near your field.
- Event cancellation: A thunderstorm shuts down your youth league championship.
Sports Insurance Coverages
When it comes to protecting your sports organization, you’ll want to ensure you have protection that matches your potential risks. Many sports groups start with a Business Owner’s Policy (BOP) for the peace of mind it can provide. It combines three types of coverage to help protect you from the risks you could face during normal operations:
General liability insurance helps protect your organization from claims that it caused bodily injury or property damage to others. For instance, if someone stumbles down a broken bleacher and breaks a leg, this coverage can help pay their medical bills.
Commercial property insurance helps protect the owned or rented building you operate from, as well as the tools, inventory and supplies you rely on. These can include:
- Balls
- Training equipment
- Goals
- Cones
- Venues, facilities or complexes
- Uniforms
Business income insurance helps replace lost income if you can’t operate your facility temporarily because of covered property damage caused by wind, fire or theft.
It’s important to know that a BOP won’t cover every type of claim you may face. You’ll need other types of insurance to give your sports business well-rounded protection, including:
How Much Does Sports Insurance Cost?
The cost of sports insurance varies because every organization has unique risks. Although The Hartford doesn’t offer coverage for sports businesses, here are the average costs our small business customers pay for common types of coverage. You can use these amounts to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific sports or athletic business insurance costs, get a free quote online through Tivly.
General Liability Insurance
“A parent fell down a set of bleachers during a game and hurt her leg. She had to go to the hospital for treatment.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Professional Liability Insurance
“We were sued by a parent who said we didn’t make proper accommodations for her son’s knee injury.”
Professional liability insurance helps protect your sports organization from claims that it made an error in the professional services given. It can help pay attorney fees or other court-related costs.
Workers’ Compensation Insurance
“Our assistant coach slipped on the turf during a game and tweaked his back. He needed months of physical therapy and had to miss a week of work.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Commercial Auto Insurance
“One of our trainers was in an accident while driving gear to a tournament. She and the other driver had to go to the hospital, and the car was totaled.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Commercial Property Insurance
“A fire broke out in our storage facility and destroyed our equipment and uniforms. We had to order very expensive replacements.”
Commercial property insurance helps protect your business' equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Business Income Insurance
“Someone broke into our facility and ripped up the turf. We had to cancel a weekend tournament and refund teams.”
Business income insurance can help replace your lost income if you can’t operate temporarily because of theft, burglary or vandalism. It can help pay your operating costs, such as rent, utility bills and payroll.
Get a Quote for Sports Insurance Solutions
You put all your efforts into building a successful sports program. Make sure you’ve got a strong defense. Get an insurance quote through Tivly.
Last Updated: December 18, 2025
2 Insurance Information Institute, “Facts + Statistics: Sports Injuries”
3 U.S. Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023”
4 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small-Business Claims”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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