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Why do tennis coaches need insurance?
Tennis injuries are common, which is one of the main reasons you need insurance. Business insurance will pay for medical bills if a student gets hit with a racket, or if a teacher develops an overuse injury. Some types of coverage may be required by laws and contracts.
Find affordable coverage
Tennis instructors can save money on insurance coverage by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What kind of insurance does a tennis coach need?
These insurance policies cover the most common risks for tennis coaches.
General liability insurance
A general liability insurance policy covers basic third-party risks, such as a student who slips on the court and breaks their ankle. Bundle it with property coverage for savings in a BOP.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for tennis instructors to buy general liability coverage and commercial property insurance together.
BEST FOR
- Bodily injuries from accidents
- Customer property damage
- Stolen or damaged business property
Professional liability insurance
Professional liability insurance covers financial losses related to the quality of your tennis instruction services. It’s sometimes referred to as errors and omissions insurance (E&O).
BEST FOR
- Improper instruction
- Lack of supervision
- Poorly maintained equipment
Workers’ compensation insurance
Most states require workers' comp for employees hired by a tennis instructor. It also protects sole proprietors from work-related medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers the cost of an accident involving a tennis instructor's company vehicle. Each state has its own requirements for auto liability insurance.
BEST FOR
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber liability insurance helps tennis coaches recover financially from data breaches and cyberattacks. It's strongly recommended for any business that stores personal information.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much is insurance for tennis coaches?
A tennis coach who works independently can expect to pay less for insurance than a larger business.
Factors that affect sports and fitness business insurance costs include:
- Type of classes offered, such as competitive or youth sports
- Business property and equipment
- Business income
- Location
- Types of coverage purchased
- Policy limits and deductibles
- Any exclusions, such as a sexual abuse or molestation clause
How do I get tennis instructor insurance?
It's easy to get tennis coach insurance if you have your company information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose policies.
- Pay for your policies and download proof of insurance.
Insureon's licensed agents work with top-rated U.S. providers to find the right insurance solutions for tennis coaches and other fitness instructors, whether you coach independently or own a tennis club with employees.
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FAQs about business insurance for tennis instructors and coaches
Review frequently asked questions about tennis coach insurance and eligibility.
Can tennis coaches get coverage for equipment under their insurance policy?
Commercial property insurance covers your building, along with everything in it, like computers, furniture, and equipment (also called your business personal property). However, it's probably not the only type of property insurance you need.
To protect gear that travels with you, you'll need to buy equipment insurance, which is a type of inland marine insurance. This policy insures portable items, such as rackets, rebound nets, targets, and radar guns. It covers theft or damage to your gear at different tennis courts, stored off-site, or on the road.
You can typically add inland marine coverage to your commercial property policy or business owner's policy.
Am I able to get tennis instructor insurance if I coach at multiple clubs?
Yes, there are a couple ways to get coverage when you teach tennis at multiple locations:
- You can add other entities, such as parks or fitness centers, as additional insureds on your own policy.
- You can ask them to include your business on their insurance policy.
It's important to make sure you're covered at each location where you coach, as otherwise you could end up responsible for expensive medical costs or legal fees. However, some insurers don't offer coverage for clubs, camps, and clinics, so you may need to consult an agent to find coverage.
Can tennis coach liability insurance cover coaching activities outside of the designated sports facility?
Your general liability policy includes premises liability insurance, which means you're covered for accidents that happen on your premises. Beyond that, it depends on the specifics of your policy.
For peace of mind and as part of a solid risk management plan, it's important to make sure you're covered for liability claims wherever you teach—whether at your club, online, or outside on other courts.
If you coach outside of the gym or fitness center named on your policy, you can usually add the other location as an additional insured on your own policy, or ask them to include your name on their policy.
Can I coach tennis without a license?
You don't need a license to teach tennis. However, a tennis coach certification program can help open new opportunities for your business. Some tennis clubs might even require you to have a certification or insurance before they'll allow you to work for them.
These organizations offer some of the most popular tennis certification programs in the United States:
- The United States Tennis Association (USTA)
- The Professional Tennis Registry (PTR)
- The Racquet Sports Professionals Association (RSPA)
Some sports coach certifications, such as the USTA's, come with liability insurance benefits. All of them offer training, resources, and networking that can take your business to a professional level, help you gain credibility, and potentially increase your earnings.