Coach Insurance Comparison
Compare Coach Liability Insurance
Coach liability insurance policies can look similar at first glance, but the coverage behind the price can be very different.
We reviewed public policy information and live online quotes to compare APC with other insurance options for coaches, including coverage limits, policy type, defense costs, included benefits, optional add-ons, and annual pricing.
How Do You Know Which Coaching Insurance Is the Best?
Weā€™ve done the research for you and assembled a detailed comparison of coaching insurance companies, so you can see how coverage, limits, policy structure, included benefits, and pricing differ before deciding which option is right for you.
Compare Coverage
Coach Liability Insurance Comparison
We compared key policy features, limits, included protections, and pricing from APC and other insurance options available to coaches. Because policies are structured differently, look beyond the annual price to see what each option actually includes.
| Coverage / Feature | APC |
Sadler
Sports & fitness
|
Alternative Balance |
Insurance Canopy |
Hiscox | CPH | CM&F |
|---|---|---|---|---|---|---|---|
| Professional Liability |
$2M / $4M
Each occurrence / aggregate
Individual member limits
|
$2M
Professional Liability
Aggregate not stated
|
$2M / $4M
Each claim / aggregate
|
$1M / $2M
Each occurrence / aggregate
|
$1M / $1M
Each claim / aggregate
|
$1M / $3M
Per occurrence / aggregate
|
$1M / $3M
Per incident / aggregate
|
| General Liability |
$2M / $4M
Each occurrence / aggregate
Individual member limits
|
$2M / $5M
Each occurrence / aggregate
|
$2M / $4M
Each occurrence / aggregate
|
$1M / $2M
Each occurrence / aggregate
|
$2M / $2M
Each occurrence / aggregate
|
$1M / $3M
Per occurrence / aggregate
|
$1M / $3M
Per occurrence / aggregate
|
| Policy Form | Occurrence |
GL: Occurrence
PL: Not disclosed
|
PL: Claims-made
GL: Occurrence
|
Occurrence |
PL: Claims-made
GL: Occurrence
|
Occurrence | Occurrence |
| Defense Costs | Outside limits | Not disclosed | Within limits | Not disclosed | Within limits | Outside limits | Outside limits |
| Additional Insureds |
Yes
Unlimited, no extra fee
|
Yes |
Yes
$10 each
|
Yes | Yes | Yes | Yes |
| Damage to Premises Rented |
$300K
No restrictive 7-day limit
|
$1M |
$300K
Fewer than 7 days
|
$300K
Non-fire damage: 7 days or less
|
Not disclosed | Not disclosed | $100K aggregate |
| Medical Expense | $5K per person |
$5K
Other than participants
|
$5K | $5K per person |
Included with BOP
Sublimit not disclosed
|
Not disclosed |
$25K per claim
$100K aggregate
|
| Client Accident Protection |
$25K medical
Up to $50K AD&D
$500K aggregate
|
No separate benefit |
$25K accidental medical
$1M AD&D aggregate
|
No separate benefit | No separate benefit | No separate benefit | No separate benefit |
| Identity Theft Protection |
Up to $25K
No deductible
|
Not listed | No separate benefit | No separate benefit | No separate benefit |
$25K
Optional property coverage only
|
No separate benefit |
| Assault & Battery | $25K per occurrence | Not listed | $25K | No separate benefit | Not verified | Not verified |
Assault Upon You
Expense benefit only
|
| Business Personal Property / Business Income |
$10K BPP + $10K BI/EE
Included
|
Not included
Separate property policy by quote
|
$10K BPP + $10K BI/EE
Included
|
Optional Equipment & Gear
$2K / $4K
No BI/EE
|
$10K BPP in BOP
Business income included
|
Optional $15K BPP
BI/EE available separately
|
No BPP / BI identified
$1K Property of Others
|
|
A.M. Best Rating
Financial strength rating of the insurance carrier.
|
A++ | A | A- | A+ | A | A++ | A++ |
| Annual Price Used in Comparison* | $275 |
$289
Certified
$365 non-certified
|
$269 |
$299
Base live quote
|
$916
PL + BOP/GL
|
$556
PL + GL
|
$556
PL + GL; ACH
|
| Optional add-ons ā€” additional cost and not included in the annual price shown above | |||||||
| Cyber |
$149/year
$100K per privacy claim
$250K aggregate
|
By quote |
$169/year
$100K / $100K
|
$99/year
$100K aggregate option
|
$351/year
$250K / $250K
|
Available
Price not verified
|
Not identified |
| Sexual Misconduct / Abuse |
$169/year
$50K / $100K
No deductible
|
No comparable add-on
Defense reimbursement described
|
$189/year |
$164/year
$100K / $300K option
|
Not offered |
Expense coverage listed
Price not disclosed
|
Defense benefit only
$25K per policy period
|
What We Found
The Price Is Only Part of the Comparison
Two policies can have similar annual prices and still provide very different protection. As we compared coach liability insurance options, several differences stood out.
Coverage Limits Vary
Professional and General Liability limits differ by provider, and a higher aggregate does not necessarily mean more coverage for an individual claim.
Policy Type Matters
Some Professional Liability policies are occurrence-based, while others are claims-made. That difference can affect when a claim is covered.
Defense Costs Are Structured Differently
With some policies, legal defense expenses can reduce the liability limit available for a covered claim. With others, defense costs are paid outside the stated limits.
The Advertised Price May Not Be the Final Cost
General Liability, property coverage, cyber protection, abuse coverage, service fees, or payment fees may be included with one option and cost extra with another.
That is why the comparison below looks beyond the annual premium and considers the coverage and features behind the price.
Compare Your Options
How Do You Know Which Coaching Insurance Is the Best?
Weā€™ve done the research for you and assembled a detailed comparison of coaching insurance companies, so you can see how coverage, limits, policy structure, included benefits, and pricing differ before deciding which option is right for you.
