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Why does a sports coach need insurance?

You are not legally required to have sports coach insurance in the UK however there are some very could reasons why you should consider it.

  • Liability protection – This can protect you as a coach against third-party injury and damage claims.
  • May be required – Some employers of sports coaches may require that they have insurance.
  • Protecting your equipment – Taking out insurance for your equipment can protect against theft, damage and disruptions to your business should something happen to your equipment.

Ultimately it will be up to you if you decide to take out sports coach insurance, however it is strongly recommended to protect yourself and your business from unforeseen costs and claims.

What happens if a coach doesn’t have insurance?

There will not be any legal ramifications for not having coach insurance in the UK, however you could run into some problems if you aren’t covered.

Some employers require sports coaches to be insured, so not having adequate cover could prevent your employment or negatively effect your opportunities.

If a claim is made against you and you are found liable without insurance you will be liable for the costs. These costs can include medical treatment for the claimant and even compensations for the time they cannot work due to injury etc. These costs can be crippling for individuals without adequate cover as you are essentially paying out your own pocket with your money and assets.

Another reason to be insured is if anything happens to your equipment due to theft of damage, you will need to replace these out of your own pocket.

In short the costs of coach insurance cover are far lower than the potential expenses which a coach may face alone in the event of an uninsured incident.

Here at, we have complied a panel of specialist UK based lenders. This means it’s never been easier to compare your options and get cheaper coach insurance today!