Soccer Insurance
for Teams, Leagues, Clubs/Associations, Camps, Clinics/Lessons,

One of the most popular sports in the world, soccer has attracted both soccer fans and soccer players by the millions in teams, associations, clubs and leagues. Soccer has attracted both girls and boys from very young ages since the mid 1800s, and today soccer teams constitute the fastest growing team sports in the US. With 10 soccer players on each side running at break neck speed toward a goalkeeper, injuries are common. From sprains and tissue tears, to fractures and broken bones, to dislocations and concussions, soccer is a sport that requires comprehensive insurance coverage like any other, even those that may be considered higher contact than soccer. As well, soccer spectators, can be subject to injuries from trips and falls, to thrown balls and player pile ups. They too require the appropriate insurance coverages, as does the soccer field of play and related property.
Our coverage program is designed for both youth and/or adult amateur and college level Soccer Teams, Leagues, Clubs, Associations, Camps, Clinics, Lessons, Tournaments and Events .
Our program includes Accident and Medical Coverage for participants as well as Participant and General Liability coverage for the Named Insured, its employees and volunteers and athletic participants. The liability coverage protects against claims of bodily injury, property damage and the litigation costs of defending against such claims.
Covered operations include all scheduled, sanctioned, approved, organized and supervised instruction, as well as practices, try-outs, clinics, games, play-offs and tournaments. In addition, coverage extends to include related Non-Athletic Participant Events, such as registrations, meetings, award banquets and ceremonies.
TYPICAL / STANDARD Policy Coverage(s), Limits and Requirements:
Accident & Medical Participant Protection
Maximum Medical Expense Benefit
$25k, $50k, or $100k (as per request)
Accidental Death & Dismemberment Benefit
Deductible Amount per claim
between $250 and $5k (depending on risk assessment)
52 Week Benefit Period
Excess Coverage
Commercial General Liability
Per Occurrence
General Aggregate
Personal & Advertizing Injury
Products - Completed operations aggregate
Fire Damage (any one fire)
Medical Expenses (any one person)
Includes Athletic Participants
Occurrence Form Policy
This insurance program is written on a master policy basis. Each member is named to the master policy on an individual basis with their own liability limits.
Coverage Requirements
Waiver & Release System
The General Liability policy requires that the insured must maintain a system to regularly secure signed Waiver and Release forms from participants. The Waiver/Liability release forms should meet all current paper and or e-waiver state requirements. For minor participants, these waiver/release forms should be signed by a parent or guardian. Unintentional error on your part in securing Waiver and Release forms will not void your coverage in the event of a claim by a participant; however, your failure to maintain an adequate system to regularly secure Waiver and Release forms will void your coverage in the event of a claim. For your protection we recommend having your waiver prepared /approved by your legal council.
Optional Additional Coverage(s) (typically available)
Excess Liability Coverage
This coverage can be purchased to effectively increase the the General Liability Per Occurrence / General Aggregate Limits, with the following Per Occurrance / General Aggregate Limit options:
$1,000,000 / $1,000,000
(Total Liability Coverage Amount $2M/$4M)
$2,000,000 / $2,000,000
(Total Liability Coverage Amount $3M/$5M)
$3,000,000 / $3,000,000
(Total Liability Coverage Amount $4M/$6M)
$4,000,000 / $4,000,000
(Total Liability Coverage Amount $5M/$7M)
$5,000,000 / $5,000,000
(Total Liability Coverage Amount $6M/$8M)
Hired and Non Owned Auto Liability Coverage
Provides coverage against claims of bodily injury or property damage due to an accident resulting from the use of an automobile that is either:
Hired: an "auto" the insured has leased, hired, rented or borrowed. This does not include any "auto" the insured has leased, hired, rented or borrowed from any of the insured's "employees", partners (if the insured is a partnership), members (if the insured is a limited liability company) or members of their households.
Non-owned: an "auto" the insured does not own, lease, rent or borrow that is used in connection with the insured's business. This includes "autos" owned by the insured's "employees", partners (if the insured is a partnership), members (if the insured is a limited liability company) or members of their households but only while used in the insured's business or personal affairs.
Optionally Available Coverage:
(Combined Single Limit)
Exact wording may vary per policy.
Abuse / Molestation Liability Coverage /
Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement Coverage
This endorsement covers the legal cost to defend against the accusation of Abuse or molestation against a member of your organization. Basic Abuse/Molestation coverage of $5,000 Per Occurrence / $10,000 Aggregate is (typically) included in the base General Liability coverage.
Optionally Available Higher Per Occurrence / Aggregate Limits:
$25,000 / $50,000
(Per Occurrence / Aggregate)
$50,000 / $100,000
(Per Occurrence / Aggregate)
$100,000 / $500,000
(Per Occurrence / Aggregate)
$1,000,000 / $1,000,000
(Per Occurrence / Aggregate)
$1,000,000 / $2,000,000
(Per Occurrence / Aggregate)
Background checks required.
Program Features
Owners of premises and financial sponsors may be named as additional insureds for claims arising out of your operations. There is no additional premium charge or fees for certificates of insurance evidencing this coverage.
Notable* Exclusions
War, Assault & Battery, Expected or Intended Injury, Asbestos, Punitive Damages, Total Pollution, Fungi or Bacteria, Aircraft, Total Fireworks/Pyrotechnics, Employment Related Practices, Communicable Disease, Collapse of Temporary Structure, Lead, Professional Liability, Use of Trampolines, Cheerleading Pyramids over 2 and ½ persons high, Use of Saunas or Tanning Devices, Inflatable Devices (other than Kiteboarding Kites), Mechanical Rides, Fire Arms, Motor Racing Vehicles, Saddle Animals, Exotic Animals, Rock Climbing Walls, Comparative Advertising, Thrown Objects/ Persons, Medical Payment for Volunteer workers, Watercraft 51 feet in length and over
* Standard Exclusions Also Apply
Note: Sports organizations that may not be eligible for the program outlined above and/or have more complex coverage needs should contact us.