Professional Athlete Disability Insurance

High Limit Professional Athlete Insurance including Temporary Total Disability, Permanent Total Disability, and Accidental Death & Dismemberment for Individual Athletes and Teams, etc.

Get the Broadest Protection Available in the Marketplace for the Lowest Possible Cost!

  • Don’t Gamble Your Livelihood Or The Financial Survival Of Your Team With An Inferior Program That May Contain Hidden Exclusions and Pitfalls That May Result In An Unexpected Denial Of Your Claim.
  • We Shop The Entire Marketplace On Your Behalf So That You Don’t Have To Waste Your Time Explaining Your Needs To Multiple Brokers!


  • Professional Athletes (and College Draft Choices) Loss of Future Earnings Insurance
    From the point of view of the professional athlete, a lifetime’s worth of income (perhaps millions of dollars) is compressed into an expected career that may only last for several years. An unexpected death, injury, accident, or illness can cut off this income stream at any moment resulting in a financial catastrophe to the athlete and his family. The athlete may be under a contract that guarantees his income for a certain period of time, but what happens when the contract term expires? The risks and dollars involved are just too big to roll the dice without insurance protection!
  • Teams With Professional Athletes Under Contract – Contract Completion Insurance
    From the point of view of the team, an unexpected death, injury, accident, or illness to a star athlete under contract can result in lost ticket sales and a guaranteed salary that must be paid to the injured athlete who can’t perform. A team can easily be strapped with Millions Of Dollars of financial losses at a time that these resources are most needed to pick up additional talent.


Accidental Death & Dismemberment (AD&D)

Individual athletes or teams can purchase Accidental Death & Dismemberment. Teams face catastrophic travel risks as a single accident could potentially wipe out the entire team. AD&D can be purchased on the entire team or on specified individual players on the team.

Click here to print a Quick Quote Application (PDF Format)

Temporary Total Disability (TDD)

Temporary Total Disability protects athletes or teams against the inability of a player to perform due to injury or illness for a short period of time such as a season.

When a team purchases this coverage on an athlete, athletes can be compensated even when they can’t play and the team will not suffer a financial drain. This can be an important incentive to the athlete.

Click here to print a Quick Quote Application (PDF Format)

Permanent Total Disability (PTD)

Permanent Total Disability protects athletes or teams against career ending injuries or illnesses. Before benefits are payable, a doctor must certify that the injury or illness is career ending after a certain waiting period such as twelve months.

Click here to print a Quick Quote Application (PDF Format)

Cost of Agents and Managers

Athletes who are away from the “public eye” while recovering from a disability need to keep their agents and managers busy in promoting the athlete’s value to potential recipients of their services. Insurance can be purchased to pay for the fees of such agents and managers for their continued promotion services.

Call or Email Sadler & Company to request a quote

College Athletes to be Drafted

College athletes that are talented enough to be drafted have an economic interest that should be protected against unexpected injury. Such an injury, whether sustained in a college game, or in a game of pickup basketball, could jeopardize the future income potential of the athlete without this important coverage.

Call or Email Sadler & Company to request a quote

Team Stop Loss

Many teams can’t afford to buy Temporary Total Disability insurance or Permanent Total Disability insurance on all of its players. Therefore, they may only buy these coverages on several key players while self insuring their exposure for the rest of the team. Other teams may self insure this exposure on all of their players. But, what happens if more uninsured players than expected suffer injuries that put them out of action? This could have a disastrous financial impact on any team that self insures this exposure.

Team Stop Loss coverage can be a solution to limit a team’s overall exposure to a reasonable level since it kicks in once a team’s out of pocket disability losses exceed a certain predetermined limit. The premium cost for Team Stop Loss coverage is much lower than purchasing first dollar disability insurance on each player and it can protect a team against financial disaster.

Call or Email Sadler & Company to request a quote

Image Protection for Manfacturers of Products Endorsed by Athletes

Athletes are frequently celebrity spokespersons. However, just one mistake such as an arrest, politically incorrect statement, domestic issue with spouse, drug incident, etc. can destroy their positive image and marketability. You may incur costs to pull products off shelves; change packaging; discontinue print, radio, and TV advertising; or run apology advertising. All of these exposures are insurable.

Call or Email Sadler & Company to request a quote

Contractual Bonus for Achieving Predetermined Goals

It is not uncommon for teams or sponsors to offer contract incentives in the form of large bonuses for athletes who exceed certain predetermined high level goals or statistical benchmarks. Insurance can be purchased to fund these bonuses in the event the athlete achieves the goal.

Call or Email Sadler & Company to request a quote

Kidnap, Ransom and Extortion

Professional athletes can be targets for kidnap, ransom, and extortion because of their high net worth and celebrity status. A Kidnap, Ransom, And Extortion policy can provide financial resources and professional advice and assistance in dealing with these dangerous situations that require quick actions and decisions.

Call or Email Sadler & Company to request a quote


Disability Market Tightens for Sports Superstars – August 2006 (HTML | Printable PDF)


  • Athlete Disability Insurance
  • Athlete Loss of Future Earnings Insurance
  • Athlete Temporary Total Disability Insurance
  • Contractual Bonus Insurance
  • Loss of Endorsements Insurance
  • Team Disability Insurance
  • Team Contract Completion Insurance
  • Athlete Insurance
  • Athletes to be Drafted Insurance
  • Athlete Permanent Total Disability Insurance
  • Cost of Agents and Managers Insurance
  • Professional Athlete Accidental Death & Dismemberment
  • Team Accidental Death & Dismemberment Insurance
  • Athlete Kidnap and Ransom Insurance
  • Athlete Loss of Value Insurance
  • College Athlete Disability Insurance
  • Image Protection Insurance
  • Professional Athlete Disability Insurance
  • Team Stop Loss Insurance