Football Insurance Coverage

American football, referred to simply as football in the United States, is a team sport played by two teams, typically of eleven players each, on a rectangular field with goalposts at each end.

Football, whether flag or contact, is an excellent sport for developing strength, speed, endurance, coordination, and teamwork at any age or skill level. Owning, operating, or managing a football league, team, or facility is about providing athletes these benefits, among others.

While coaching and managing a football league or team can certainly be conducted safely, there are always risks to training and competing in football, operating a football league, or hosting a football game on your field or in your facility. Protective equipment, helmets, pads, referees, and safety training can all help mitigate the risk of playing football, but there’s always some potential for injury when taking the field.

Even if the football 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 football 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 football league and provide coverages specific to the sub-sport.

For example, while flag football implies much less physical contact by making actions like tackling, grabbing, and running directly into other players against the rules, it also typically includes less specialized protective equipment. This means that, while many player-on-player injuries are less frequent in flag football than in tackle football, major sprains, breaks, bruises, and concussions do still occur.

Tackle football, on the other hand, often emphasizes the size, strength, endurance, and/or speed of the players in addition to their skill. While more athletic players may be more resilient against minor injuries, when injuries do occur, they are often severe, as the relative sizes and speeds at stake in the game are greater.

We offer policies exclusively covering flag football leagues, as well as tackle football leagues, and those organizations providing both flag and tackle football.