Umpires Referees and Sports Officials Insurance — Coverage, Cost & Requirements
Sports officials and referees face personal liability for on-field decisions, player injuries attributed to rule enforcement, and assault by players or spectators. Professional liability protects against claims of improper officiating affecting game outcomes. Accident coverage addresses injuries sustained while officiating. Many organizations require officials to carry their own liability policies.
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What Coverage Does Umpires Referees and Sports Officials Insurance Include?
Most umpires referees and sports officials businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Professional Liability
Professional Liability coverage tailored for umpires referees and sports officials businesses.
Accident Insurance
Accident Insurance coverage tailored for umpires referees and sports officials businesses.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Umbrella Liability
Umbrella Liability coverage tailored for umpires referees and sports officials businesses.
How Much Does Umpires Referees and Sports Officials Insurance Cost?
The cost of umpires referees and sports officials insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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