Basketball Insurance

Comprehensive Coverage for Adult & Youth Teams and Leagues, including Accident, General Liability, Directors & Officers Liability, Crime and Equipment.

• Offers rock-solid protection
• Simple online application and quick turn around
• You can save up to 38%
• Proof of coverage INSTANTLY in most cases

Generic Basketball Insurance Programs

Programs Others Have Purchased

Basketball Risk Management

Basketball, like any incidental contact sport, provides ample opportunity for players to suffer significant injuries. While basketball injuries are rarely life threatening, broken bones, concussions, and ligament tears can be serious. Sprained ankles, jammed and broken fingers, bruises, broken noses, abrasions from slides, and poked eyes are common injuries suffered on the court. Spectator injuries from slips, trips, and falls as well as from player contact and being hit by thrown balls are also common.

Basketball insurance for instructors, basketball camps and leagues is highly recommended to protect against liability claims. We even offer basketball tournament insurance.

A 2008 study in the American Journal of Sports Medicine of basketball players from 100 high schools reported the following injury statistics for the 2005-2007 seasons:

Common Game Injuries

Ankle sprains (26.2% for men; 24.6% for women)
Knee Internal Derangement (7.4% for men; 15.9% for women)
Concussions (3.6% for men, 6.5% for women)
Patella injuries (2.4% for men, 3.7% for women)

Common Practice Injuries

Ankle ligament sprains (26.8% for men, 23.6% for women)
Knee internal derangements (6.2% for men, 9.3% for women)
Patella injuries (3.7% for men, 4% for women)

Injuries are bound to occur, but taking preventive steps and being cautious minimizes the risks.

Player safety

Two hoops and a ball are all you need to play basketball, but player gear is essential to their safety.

Basketball shoes are intended to minimize foot, ankle and leg injuries. High-top shoes offer added ankle support. Basketball shoes should have non-skid soles and be laced securely during all practices and games.
Mouth guards are not always required by leagues, but wearing one is recommended to help prevent or minimize injuries to teeth, lips and the tongue.
Protective eyewear made of shatterproof plastic is highly recommended for players who wear eyeglasses and contacts.

Game safety

The rules for play are as much about the game as they are about safety. Fouling other players is a common source of injuries. Shoving, tripping, and holding other players can also lead injury. Referees must maintain control of the game to keep overly physical play in check.

Staying well hydrated during games and practice is imperative. Heat-related illness and dehydration can lead to other physical ailments.

Many basketball leagues play year round, which can lead to excessive-play injuries such as strains and sprains, tendonitis, growth plate injuries and stress fractures.

A first aid and CPR-certified coach, parent, or referee should be on hand for games and practices. In addition, most facilities are required to have an automated external defibrillator( AED) available in the event of a participant or spectator-related cardiac event.

Coach accountability

Coaches maintain proper safety guidelines for players and should make sure that players are taking the right precautions and wearing the appropriate gear. Coaches should monitor the following:

Equipment: Balls, gear and the court should be inspected prior to practices and games.
Player levels and abilities: Players should be matched up by age and physical ability.
Pre and post-play: Coaches should offer players adequate time to stretch, warm up, and cool down before and after practices and games.
Player conditioning: Practice activities should gradually increase player conditioning without overworking them.

Note: When a basketball insurance policy is selected, make sure that all directors, coaches and volunteers are covered.

What Our Clients Have to Say about Our Basketball Insurance Programs

“I have used Sadler for my camp insurance ever since I started doing basketball camps and have always been satisfied with customer service and price.” – Jonathan Shultz, Pigeon Forge Basketball Camps
“Sadler is GREAT!!!” – William Raber, East Windsor Youth Basketball
“Easiest website I have used in a long time!” – K. Creegan, Bordentown Area Basketball Association