Tennis Club Insurance

Yes, tennis clubs can buy policies that protect against losses due to theft and accidental property damage:

• Commercial property insurance covers your clubhouse and everything in it, like indoor courts, furniture, and computers. It'll help you recover from a fire, burglary, or storm.
• General liability insurance pays for accidents that harm your club's members and other third parties (non-employees). It'll cover your legal costs if someone sues over theft or property damage that happened at your club.
• Inland marine insurance provides reimbursement for tennis equipment and other items that are stolen or damaged while in transit or stored off-site.

If a club member is harmed on your court, you could be held responsible. You might have to pay for their medical bills, repair or replacement of damaged items, or legal bills if you're sued.

Business insurance policies that cover injuries and property damage on a tennis court include:

• General liability insurance provides financial protection against accidental injuries and damages, such as a member who slips and falls in the locker room. It also covers personal injuries and advertising injuries.
• Professional liability insurance helps pay for legal defense costs related to professional negligence, such as a student who claims a tennis instructor pushed them to the point of injury.

To fully protect your business, our insurance agents recommend carrying both types of coverage. Many clubs also require their members to sign waivers, which can help reduce your legal liability. However, this won't protect against claims of gross negligence.

Tennis club owners should consider the following policies as part of a comprehensive risk management plan:

• Business personal property (BPP) coverage insures items that belong to your club, such as rackets, rebound nets, and ball machines. If you don't need insurance for a building, you can add this coverage to your general liability policy.
• Equipment insurance is a type of inland marine insurance that covers business property in transit or stored off-site, such as gear that you bring to different tennis courts.
• Business income insurance, or business interruption coverage, covers your lost profits and operating expenses if a fire or other covered property claim forces your business to close temporarily.
• Crime insurance comes in a couple forms. You can add it as an endorsement to property insurance to protect your own business, or buy a fidelity bond that will reimburse your clients in the event of employee dishonesty.
• Commercial umbrella insurance boosts the coverage of your underlying policies, such as general liability, commercial auto, and employer's liability insurance, once the limit is reached on a liability claim.
• Employment practices liability insurance (EPLI) pays for legal defense costs if your sports facility is accused of a violation of employee rights, such as wrongful termination or discrimination.
• Special event insurance provides liability coverage for events outside of your normal business operations, such as a sports camp or holiday party.
• Liquor liability insurance is essential for businesses that sell or serve alcohol. It covers legal expenses if a member of your country club gets intoxicated at your bar and goes on to injure someone or damage their property.