Cornhole Insurance

Cornhole Insurance Including General Liability, Accident, D&O Liability, and Equipment/Crime for teams, leagues, clubs, camps, tournaments, and instructors.

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Discover Savings up to 38% with the Leading Cornhole Insurance Program

Cornhole is a popular recreational sport enjoyed by players of all ages. But just like any other sport, cornhole comes with its risks. With tailored cornhole insurance, you can safeguard your events, leagues, teams, and clubs against financial losses stemming from these unforeseen incidents. We offer a range of plans designed to cover spectator injury, participant injury, property damage, and other claims. Here’s what sets us apart:
  • Savings up to 38% from industry-leading programs
  • Instant online quote/payment/printing of proof of coverage documents and certificates in most cases
  • Rock-solid protection with high limits and custom coverage enhancements
  • General Liability limits from $1M to $5M
  • Accident limits from $25K to $100K
  • Accident deductibles from $100 to $5,000
If you own, operate, or have 24-hour responsibility for a facility, please contact us for an alternate facility application.

Coverage That Protects You On and Off the Court

Cornhole insurance ensures you are financially protected against risks associated with the sport. Coverage includes:
  • Accident Coverage: Covers medical expenses for injuries sustained by players, coaches, or volunteers during games, tournaments, or other cornhole-related activities.
  • General Liability Coverage: Protects against claims of bodily injury or property damage that may occur during cornhole games, practices, or tournaments.

Who Needs Cornhole Insurance?

Insurance is crucial for anyone involved in organizing or managing cornhole activities:
  • Teams and Leagues: Protection against financial fallout from player injuries or spectator injuries.
  • Cornhole Clubs: Comprehensive General Liability and Accident coverage for clubs, ensuring members’ safety.
  • Tournaments and Camps: Ensures coverage for players and staff during events, minimizing legal exposure.
  • Instructors: Safeguards against claims from coaching mishaps or injuries during training sessions.

About Cornhole in the U.S.

Cornhole, also known as bean bag toss, has become a staple of American recreational activities. Its roots trace back to the Midwest, where it gained popularity as a backyard game at family gatherings, tailgating events, and community festivals. In recent years, cornhole has evolved into a competitive sport with official leagues, tournaments, and organizations across the country.
Cornhole’s popularity has grown to the point where professional leagues now exist, such as the American Cornhole League (ACL) and the American Cornhole Organization (ACO). These organizations host national tournaments with live broadcasts, sponsorships, and cash prizes, drawing in both amateur and professional players. Additionally, cornhole is a common sight at college campuses, bars, parks, and tailgate parties, solidifying its status as a beloved pastime in American culture.
Due to its increasing popularity, cornhole equipment quality has improved, with specific standards for board sizes, bag weights, and materials to ensure fairness and consistency in competitive play. This surge in formalized play underscores the need for proper risk management and insurance to protect participants and event organizers alike.

Common Accidents, Injuries, Mishaps, and Lawsuits in Cornhole

  • Bodily Injury to Spectators and Players: Slip and falls on uneven surfaces, collisions leading to fractures or sprains, and strained muscles from improper movements.
  • Property Damage to Facilities: Damaged boards, scratched floors, or property vandalism.
  • Personal Injury (Slander or Libel): Defamatory statements made during tournaments, causing reputational harm.
  • Advertising Injury: Misleading promotional content that damages competitor reputations.
  • Contractual Liability: Assumption of liability in facility leases due to indemnification clauses.
  • Directors & Officers (D&O) Liability: Wrongful suspension of players or failure to adhere to club bylaws leading to legal actions.

Cornhole Risk Management Tips

To create a safe environment for your players and spectators:
  • Safety Protocols: Clearly communicate safety rules to all participants.
  • Facility and Equipment Checks: Regularly inspect cornhole boards and playing surfaces.
  • Emergency Preparedness: Establish an emergency action plan (EAP) and ensure staff is trained in basic first aid.
  • Liability Waivers: Require signed waivers from all players and staff before participating in cornhole activities.
  • Proper Supervision: Ensure adequate supervision at events to reduce the risk of accidents.
For more risk management practices, visit our Risk Management section.

FAQ’s About Cornhole Insurance

1. What is Cornhole Insurance, and why do I need it? Cornhole insurance provides coverage for individuals, leagues, tournaments, or events that involve cornhole games. This insurance protects against potential claims related to bodily injury or property damage that might occur during a game or event. It’s crucial for organizers and participants to have this protection to safeguard against unexpected accidents.
2. What types of coverage are typically included in Cornhole Insurance?
  • General Liability: Covers bodily injury or property damage claims arising from cornhole events, including injuries to participants or spectators.
  • Accident Insurance: Helps cover medical expenses for injuries sustained by players or volunteers during the game. This is secondary insurance, complementing a person’s existing health insurance.
  • Additional Coverages: Depending on the specific needs of your cornhole organization, you can add coverages like Equipment/Crime insurance or Non-Owned & Hired Auto Liability if vehicles are used for event activities.
3. How much does Cornhole Insurance cost? The cost of insurance varies depending on factors such as the number of teams, participants, limits you choose, and if you have selected any custom enhancements.
4. Can I customize my Cornhole Insurance policy? Yes, Sadler Sports & Recreation Insurance offers customizable policies to fit the unique needs of cornhole leagues, tournaments, camps, or events. You can add additional coverages based on the level of risk and specific activities involved in your event.
5. Do I need a Certificate of Insurance for my Cornhole Event? Yes, a Certificate of Insurance serves as proof of coverage and is often required by venues or third parties. When purchasing your policy, you can request to have a certificate issued. Additionally, if your venue asks to be listed as an “Additional Insured,” this can usually be accommodated at little to no extra cost.
6. What if my venue requests specific wording on the Certificate of Liability Insurance? Contact Sadler Sports & Recreation Insurance with the exact wording requirements. They can usually accommodate these requests to ensure compliance with venue requirements.
7. Does Cornhole Insurance cover alcohol-related accidents? If your organization serves alcohol without a charge and if no permit is required, Host Liquor Liability is included in policies. However if you are in the business of serving alcohol for a charge or if a permit is required, you will need Liquor Liability coverage.
8. Are vendors or concessionaires covered under the Cornhole Insurance policy? Vendors or exhibitors are typically not covered under your general policy. It is recommended that they purchase separate vendor liability insurance for added protection. More information about vendor insurance can be found on the Sadler Sports website.

Trust SADLER for Your Cornhole Insurance Needs

Join over 15,000 sports and recreation organizations that trust SADLER for their insurance and risk management. Contact us or call  1-800-622-7370 to discuss your rafting insurance needs or click the button at the top of the page for an instant quote.