Rugby Insurance for Teams, Clubs, Camps, and Tournaments

Comprehensive coverages including Accident and General Liability. Savings of up to 38%! Get an instant online quote/pay/print.

Please note: In order to be eligible for coverage for the activity, “Rugby”, all participants must be under the age of 16 years. Touch/Flag Rugby is available to all ages.

General Liability Insurance for Rugby

  • High-limits from $1M to $5M
  • Affordable rates
  • Non-Owned and Hired Auto Liability

Accident Insurance for Rugby

  • Reimburse medical bills
  • Limits up to $100k
  • Deductible options



Why do you need rugby insurance?Rugby club on field during game

Although you can put in extensive measures to limit your risk, it will most likely never be eliminated. However, you can implement a comprehensive insurance program to help guard against uncontrollable dangers. Therefore, applying insurance for your rugby team, tournament, or event is essential to your risk mitigation strategy. 


What does rugby insurance cover? 

Rugby insurance will help cover the liabilities your organization faces in the case of an accident during practice or play. At Sadler Insurance, we offer rugby insurance that is customizable to your coverage needs. We can help you get covered whether you need rugby team insurance, rugby tournament insurance, or insurance for any other event. 

We offer a rugby insurance strategy of a combination of Accident and General Liability. Adding these insurance policies would benefit your rugby organizations, camps, clubs, or tournaments because they can help protect both you, your players, your coaches and your organization. 

Do I need general liability insurance?

Adding high-quality liability insurance coverage into your insurance plan could help protect you against the financial obligations from spectator injuries and your player’s injuries claims. In addition, you could receive coverage in mitigating the risk of financial loss from lawsuits, medical expenses, and work compensation payouts for lost wages.


Is rugby a high-risk sport? Rugby Injury with players

Rugby is classified as a risky sport as it demands a high level of physical activity and contact between players. Therefore, athletes are putting themselves at risk by participating. The injuries caused by playing rugby are usually very mild; however, they can rarely be severe. Injuries are not limited to a few scratches and bruises that may happen from the close contact nature of the game. The following are the more severe injuries that are linked to rugby:

  • Knee sprains and strains
  • Concussion
  • Ankle sprains and strains
  • Shoulder dislocation and/or subluxation
  • Fractured bones

As a rugby organization that hosts teams, tournaments, camps, or other events, injuries to the players are very concerning. An accident on the field may not be your fault, but you could still be liable. Therefore, it is crucial to create a plan that will help to limit the risk of injuries for the players. 


What are ways to prevent injuries and mitigate risk in rugby? 

There are many injuries in rugby that are hard for one to predict as the nature of the sport is inherently risky to the players. However, you can implement risk management tactics that could help reduce your athletes’ degree of risk. 

As the rugby organization, you can apply the following tactics to be a part of your risk mitigation strategy: 

Hire highly-trained officials: Officials manage the game by calling penalties and ensuring that the players adhere to the game’s rules. Having highly trained officials is necessary to monitor the players’ actions adequately. 

Provide a safe environment: An additional risk management tactic is to ensure that the game’s playing environment is monitored for safety before play. Inspecting the facility for hazards can help detect any dangerous situations that could have occurred. For example, you should remove any hazardous items from the playing area and ensure the protective equipment is up to standards. 

Training for players: Players should have proper training and knowledge of the rules before playing the game. Giving players adequate instruction and demonstration of rugby techniques and tactics could help decrease accidents. In addition, properly training players will help them to understand the inherent dangers of rugby and how to avoid them as much as possible.

Liability waiver: Have the players sign a liability waiver to help further reduce your liabilities. In addition, the waiver will inform the players about the risks associated with rugby which would make them more aware of their possible negligence. 

Brain Injury/Concussion: See our sample Brain Injury / Concussion risk management plan for contact sports for an example of a program that can be easily customized to meet the needs of rugby organizations.

General Risk Management: Check out our risk management page for a full list of risk management content including waiver/release forms, COVID, child abuse/molestation, auto safety, concussion, and general risk management programs to reduce risks in facilities, equipment, supervision, instruction, sports injury care, etc.


What is rugby?

Rugby is a physically demanding, contact sport played by two teams of fifteen using an oval-shaped ball. The game is held on a rectangular field and has H-shaped goalposts on each end. Rugby can be played on any surface but mainly is played on grass or a turf field. 

The game is considered a high contact sport because players on opposite teams are allowed to tackle each other to gain possession of the ball. Once a player has the ball, they can run with it, kick it or toss it to another player on their team. 

The players on the field are numbered one through fifteen, with each number corresponding to their position. Players that are number one through eight are “forwards,” so their job is to gain possession of the ball. The players numbered nine to fifteen are in the “backs” position. The back’s job is to move the ball down the field. 

The objective of the game is for the players to attempt to score points by carrying the ball to their opponent’s end of the field. Like many other competitive sports, the winning team will have scored the most points by the end of the match. 


Does rugby have health benefits? Rugby Team during match

Participating in Rugby can provide plenty of health benefits to the players. The game requires a high amount of cardio and strength. In addition, it can improve mental health. The following are a few health benefits that players can expect when playing rugby: 

Cardiovascular health improvement

Rugby is a sport that requires its players to keep in constant movement during the game. The players are repeatedly sprinting and running to advance the ball or attempt to stop the opposition from advancing the ball. Therefore, athletes will experience an increase in their cardiovascular endurance. This type of exercise helps build a strong heart that functions more efficiently. 

Improvement in bone health

Rugby is a full-body exercise that helps build up strength in the players. The actions of running, tackling, and passing the ball all require the use of multiple muscles in the body. Therefore, rugby tends to improve your overall bone health as it helps to tone muscle. Moreover, the movements in rugby put a certain amount of stress on the bones, which can help stimulate the deposition of calcium. The calcium deposits increase your bone density, which is beneficial to your health. 

Improve mental wellbeing

Studies show that participating in team sports like rugby can help people with depression. This improvement in mental health is due to the athletes feeling a sense of belonging and purpose once they are a part of a team. In addition, the exercise aspects of the game increase the endorphins that are released, which in turn helps depression.


Get Rugby insurance that protects you!

Comprehensive insurance plans can help your rugby organization succeed by mitigating the detrimental risks. Sadler Sports and Recreational Insurance offers customizable insurance coverage for rugby teams, leagues, clubs, and other organizations. Our Rugby Insurance plan is customizable, so you can apply the policies that will help protect your organization. Request a quote today if you’re looking for hassle-free insurance and are ready to take your risk management strategy to the next level.