About Soccer League Health Insurance

Many soccer leagues have opted to purchase health insurance for their teams. These insurance policies help to guarantee that players who are injured in official events or league-sponsored practices will not have to pay all of the hospital bills associated with their injury. Policies are available through a number of different sources.

  1. What

    • These insurance policies provide accidental medical insurance for amateur soccer teams of all ages and at all levels of soccer leagues. Accidental medical expense benefits can start at $5,000 or higher, and policies can be purchased from sports-specific insurance companies. These policies are designed to alleviate some of the financial and emotional burden on a family whose child is seriously injured while participating in sports, according to Westpoint Insurance.

      These policies provide extra coverage for soccer teams for injuries suffered either while participating in a game or practice or during the travel to or from a soccer game. They provide coverage for what physicians would generally charge for customary medical treatment for the injury, according to E-Sports Insurance. These programs available for soccer leagues are considered excess, or secondary, insurance programs; they pay what the injured player's primary medical insurance does not cover, such as co-pays, deductibles or co-insurance or after the individual insurance limit has been reached. It only becomes the primary insurance if the player does not have insurance.

      Not every situation is always covered; check with the insurance agent before you purchase insurance.

    Who

    • With most insurance policies, any player, staff member or participant of a league, including coaches, trainers and managers, are covered when they are either at a league-sponsored event, including soccer practices, games or tournaments, or traveling to or from the event.

    Liability Coverage

    • According to Soccer Scores and EPL News, another type of soccer league insurance is liability coverage in case the league is sued or a player who gets hurt during a game files a personal injury claim. This and other health coverage can last through the season or simply be a special events policy, depending on your league's specific needs.

    Insurance For Soccer Coaches

    • The National Soccer Coaches Association of America offers $1 million in professional liability insurance to its member coaches; this coverage includes almost all of the soccer-related coaching activities a member will be involved in. This differs from other soccer insurance in that it does not cover the players and doesn't cover camps, games or various other activities; it only covers any member coaches as a personal form of liability coverage.