Instant Cover for Sports Coaches

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protects you against

What is covered under the sports trainer insurance policy?

The Allied Health Professionals Liability insurance for sports trainers, athletic trainers and sports coaches is designed to include professional indemnity, public liability and products liability.
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 coaching and training business in the course of providing your services.

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 business.

Defamation

Protects you and your coaching and training business 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 services.

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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
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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PROTECTS you Against

How does this insurance protect sports coaches?

upcover offers insurance that blends professional indemnity and public and product liability insurance, offering you tailored insurance solutions for sports coaches at affordable prices.

Professional Indemnity Insurance for rehabilitation counsellors (Limits up to $10m)

Professional indemnity protects you from claims made against your coaching and training business in the course of you providing your professional services.

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.  

Bad Professional Advice

A player was injured severely during a football 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.

Error of Judgment

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.

Public & Products Liability insurance for sports coaches (Limits up to $20m)

Public liability insurance protects your coaching and training business against liability if someone gets injured on your premises or while you are providing your services.
Products liability insurance is for claims made against your coaching and training business for products supplied or sold by you to a third party. This might be a claim arising from a sports product or a product that injured someone.

Physical Injuries

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.

Trip, Slips & Falls

A player slips over a football that had not been cleared in the football field after a session, and fractures their ankle.

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

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support

Make a Claim

Had an adverse incident and want to make a claim to an award winning claims team? You can submit a claim online at any time.
Start by clicking on the link below.
Make a claim

Contact us

Give us, or our insurance partner, a call or drop us a line at any time. Our teams will endeavour to answer all enquiries within 24 hours on business days.
General Enquiries
hello@upcover.com
For questions relating to our product offering, information handling, policy coverage or anything else, please reach out here.
Cancelling your policy
support@upcover.com
You can cancel your policy at any time. Simply email us and tell us your business name, reason for cancelling, and we'll do the rest for you.
Making a compliant
COMPLAINTs@upcover.com
If you're unhappy with the service you've received by us or our insurance partner and wish to make a complaint, email us here.
If you want to reach out to the issuer of your policy, you can email ProRisk directly on enquiries@prorisk.com.au
FAQs

Commonly asked questions

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.
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• 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.
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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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• Covering medical costs (current and future) for a client that is injured
• Loss of a client's earning capacity when the client is off work
• Additional compensation if the damage to the client is permanent/long-lasting
• 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.

I am a football coach but the policy says sports trainer. Is this okay?

"Sports trainer" is a generic term and encompasses your occupation as a football coach. For a full list of sports coaching covered, click here.

Check out some other occupations covered under the Healthcare Professionals Civil Liability insurance

Yoga Instructor
Pilates Instructor
Personal training/ Fitness trainer
Sports Trainer
Dietician
Nutritionist
Nutritionist and Personal Trainer

How can I make a claim?

You can make a claim by filling up this online form here.

Just answer a few simple questions and submit your claims form in minutes.
upcover Pty Ltd ABN 17 628 197 437 (“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”). upcover markets insurance products and services on behalf of Armada. 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”). Armada, ProRisk and upcover and their employees act as agents of Swiss Re and not as your agent. Neither ProRisk, Armada 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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Consider the Policy Wording, General Terms & Conditions and the Financial Services Guide to decide if an insurance product offered by upcover is right for you.

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