Did you know that you can be held personally liable for incidents related to your work as a sports coach or recreational fitness leader? Alternative Balance offers coverage for sports coaching, forest therapy guides, ice skating instructors and coaches, hiking guides, snowshoeing guides, and more. If you work in the recreational fitness or coaching industries, join Alternative Balance today to protect your work.

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ABPG only partners with the best insurance companies, ensuring that you get the coverage you need and the best claims response. Don't get stuck with insurance you can't count on! Get started with our low-cost, simple and instant sports coaching insurance coverage today! Visit our Coverage page for more specific information about the types of coverage included in our plan. We also recommend that you include Sexual Abuse Liability insurance. For more information on why this is important for your business, read our Sexual Abuse Liability Insurance White Paper.

NOTE: This coverage excludes hunting, fishing, and motorsports.

  • General & Professional Liability  
  • Products-Completed Operations  
  • Damage to Premises Rented to You  
  • Third-Party Medical Expenses  
  • Personal & Advertising Injury  
  • Defense Costs  

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Sports & Rec Examples

What if??

Wondering what kind of claims could be covered by sports and recreational fitness insurance? We've got some examples to make it easy.

  • General Liability: A participant steps into a hole in the ground and sprains their ankle while participating in an activity.
  • Professional Liability: You are leading a forest walk and it starts to get dark. One of the participants trips over a tree root because they couldn't see, so they sue you for pain and suffering resulting from that injury.
  • Damage to Premises Rented: A student kicks a ball and it hits something causing damage to the facility you're renting.
Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

Sports Insurance

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Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

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Sports & Recreational Fitness FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.  However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False Arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful Eviction or Wrongful Entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.