Insurance for Basketball Teams & Leagues (Indoor & Outdoor)
Basketball is a team sport in which two teams, most commonly of five players each, opposing one another on a rectangular court, compete with the primary objective of shooting a basketball through the defender’s hoop.
Basketball, regardless of the competitive level or age group, is an excellent sport for developing speed, endurance, coordination, and teamwork. Owning, operating, or managing a basketball league, team, court, gym, or another facility is about providing athletes these benefits, among many others.
While coaching and managing a basketball league or team can certainly be conducted safely, there are always risks to training and competing in basketball, operating a basketball league, or hosting a basketball game on your court or in your facility. While the rules of basketball seek to eliminate player striking or collision and other dangerous behaviors, there are always risks to taking the court and playing basketball.
Even if the basketball league or team has taken all realistic precautions, it can still be held liable for injuries and other issues related to its events and facilities.
Our insurance policies for basketball leagues and facilities allow you to focus on providing your services with peace of mind knowing that you are protected against potential risk.
We offer both general liability and accident medical insurance for any kind of recreational basketball league, including half-court, youth, and adult, indoor and outdoor.
Types of Basketball Leagues
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AAU Leagues
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Boys & Girls Clubs
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Church Leagues
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City Basketball
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Competitive Leagues
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Male & Female Leagues
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Recreational Basketball
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Tournament Ball
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Travel Basketball
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YMCA Leagues
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Middle & High School Leagues
General Liability Insurance for Basketball
Our general liability insurance policy provides coverage for claims and lawsuits that allege bodily injury or property damage.
General liability covers up to a specific amount to spectators and other non-members of your organization who file a claim or lawsuit against your basketball organization. Fortunately for policyholders, investigation of the claim and adjustment of any potential payout are taken care of by the insurance company.
This includes serious injury of a basketball player, coach, or spectator. Common basketball injuries, such as a sprained ankle or wrist, may occur as a result of incidents including, but not limited to, a fall or a collision with another player. General liability also covers property damage that may have been caused by the negligence of the named insured.
Accident Medical Insurance for Basketball
Our excess accident medical policy helps pay for out-of-pocket medical costs for an injured basketball player or coach. Injuries do happen when participating in youth and adult league basketball, whether indoor or outdoor, and an accident medical policy can keep injured players and coaches from facing a serious financial burden due to medical bills from an injury.
Covered individuals would encompass all registered members of your organization, including participants and volunteers, so long as the injury happened during a covered activity.
The policy pays medical bills for a member who is injured at your practice or game, or during activities you sponsor, if, either the member has no health insurance, or the medical bills exceed what the member’s insurance will pay.
How Much Does Basketball Insurance Cost?
The cost of basketball coverage varies based on the number of teams and players, and the age of the players.
Team insurance can be $462 or it can be as low as $90 per team, through AYSAA.
There is no difference in insurance coverage cost between travel and recreational basketball.
Here’s how the cost of your basketball club breaks down.
Small Youth Leagues (1-5 Basketball Teams)
AYSAA Annual Membership Fee (per team) = $25 +
$1 Million Team Insurance
- Age groups 12 & under = $65.00
- Age groups 13-15 = $90.00
- Age groups 16-18 – $115.00
$2 Million Team Insurance
- Age groups 12 & under = $89.00
- Age groups 13-15 = $125.00
- Age groups 16-18 – $179.00
Medium-Sized Youth Leagues (6+ Basketball Teams)
- $462 annual premium for up to 75 players
- +$2 per additional player over 75
Adult Basketball Leagues
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