Sports Official Insurance
Smart, straightforward liability coverage for officials, referees, and umpires
- Manage Your Policy Online
- Easily File a Claim
- Download a Certificate of Insurance (COI) Instantly
- Dedicated Support Agents Ready to Help
4.8/5 on
Why Insurance Canopy for Sports Official and Referee Insurance?
Insurance Canopy provides transparent, affordable, and highly-rated liability insurance for umpires, referees, and other sports officials. With a (nearly) 5-star rating, we’re proud to have quality coverage and customer service you can rely on.
Plus, we offer:
- Flexible payment options
- Coverage for 100+ sports and training styles
- Coverage for multiple locations at once (including virtual)
- Unlimited additional insureds
- Nationwide coverage*
- Exclusive resources to help you run your small business — at no extra cost!
*Not currently for sale in Missouri.
What is Liability Insurance for Sports Officials?
Referee and umpire liability insurance is a financial safety net designed to protect you from the costs of claims and lawsuits related to your officiating.
It combines general liability and professional liability in one policy. These coverages help pay for accidental injuries, property damage, and other harm — like tripping a player on the field or court fees from a lawsuit alleging you failed to enforce the appropriate safety rules.
Sports official insurance is designed to cover situations like these, so you don’t become permanently benched by debt or bankruptcy.
What Does Insurance for Referees and Umpires Cover?
Sports official insurance from Insurance Canopy covers physical, financial, and other harm you may unintentionally cause others. It’s available for a variety of officials, including (but not limited to) referees for:
Esports
Football
Hockey
Soccer
Wrestling
Youth sports (ages 2+)
Our policies also go where you go, so you’ll be covered at every game, match, and tournament.
What Does it Not Cover?
Sports official liability insurance is designed for individual referees and umpires. It does not cover leagues, camps, or sports facilities. We also do not currently cover:
- Officials affiliated with professional, semi-pro, or collegiate leagues
- Water polo referees and other officials for activities conducted in open water or in water over four feet
- Any injuries to yourself sustained while officiating
- Any harm you cause others due to illegal, intentional, or fraudulent acts
How Much Does Sports Official Insurance Cost?
Insurance Canopy’s liability insurance for sports officials starts at just $15/month or $159/year (a savings of nearly 12%).
Customize your policy with a variety of optional add-on coverages, including:
(+$15/individual or $30/unlimited):
Extends your coverage to qualified third parties, such as schools, gyms, or event organizers
(+$8.25-$12.50/month):
Coverage in case of data breaches and other cyber attacks
(+$1.33-10.67/month):
Coverage for equipment that travels with you, like field marking supplies, in case of theft or damage — multiple tiers available
(+$10.33-$14.46/month):
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct
Coverage Details
General & Professional Liability
The most your policy can pay annually for bodily injury and property damage claims occurring during your coverage as a result of your business operations or professional services. For example, someone slips in your studio or is injured during a workout you were leading.
$3,000,000
General & Professional Liability Each Occurrence
The maximum the insurance carrier will pay for a bodily injury or property damage claim that you become legally obligated to pay due to your business and professional services.
$2,000,000
Products Completed Operations Aggregate
The maximum amount your policy will pay annually for claims of bodily injury or property damage due to an incident that occurred with a product during or after your class, such as a faulty piece of equipment injuring a client.
$3,000,000
Personal & Advertising Injury
The amount your policy will pay for claims arising out of one or more of the following offenses:
- False Arrest, detention or imprisonment
- Malicious prosecution
- Wrongful Eviction or Wrongful Entry
- Oral or written publications that slander or libels a person or organization
- Oral or written publication or material that violates a person’s right of privacy
- The use of another’s advertising idea in your advertisement
Included
Damage to Premises Rented to You
Applies to damage by fire to premises rented to the insured and to damage regardless of cause to premises (including contents) occupied by the insured for 7 days or less.
$300,000
Medical Expense Limit
A no-fault medical policy that allows you to cover medical or funeral expenses for an individual up to the issued limit without deducting from the general liability aggregate limit. The injury or death must be as a result of a bodily injury caused by business operations.
$ 5,000
Deductible
The amount we deduct from a claim before paying up to your policy limits.
$ 0
Gear & Equipment Coverage
Also known as “inland marine,” it covers property that is movable or transportable in nature (e.g. supplies, equipment, or inventory) but excludes coverage for structures and items that are a permanent part of the structure. There are multiple tiers of coverage to choose from, starting at $1.33/month with a $100 deductible per claim.
$1.33 – $10.67/month
Cyber Liability Coverage
The maximum amount paid out in the case of a cyber attack on your business. Because this coverage is not automatically included in the standard General Liability Policy, you will need to opt into this coverage. See the application for additional coverage details for Cyber Liability Insurance.
$8.25 – $12.50/month
Diet & Nutrition Coverage
Coverage for additional services you offer clients, such as diet guidelines, meal plans, or the sale/recommendation of health supplements. These services are not covered by professional liability and require Diet & Nutrition Coverage.
$6.25/month
Additional Insureds
Coverage for a third party, such as a business, property owner, event organizer, or employer who could be named in a claim arising from your business operations. It cannot be used for employees, friends or family, other trainers, yourself, or other businesses you may own. Add one additional insured for $15, or choose unlimited additional insureds for $30.
$1.25 – $2.50/month
Sexual Abuse & Molestation (SAM) Insurance
Coverage for defense costs if you’re wrongly accused of sexual harassment or improper conduct.
$10.33 – $14.46/month
See what other sport and fitness professionals have to say about Insurance Canopy.
Here's what some of our over 14,700 customers have to say about their experience.
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025Great experience, quick and easy to understand with what I needed for my business. Highly recommend!
FrankLynn Rae
October 28, 2025Very helpful customer service! Prompt, punctual, effective! No bots or long waits to get assistance.
Maria Ciccone
October 19, 2025 -
Canopy insurance has made affordable, band insurance needed for major venues. Thank you for your fast and easy service Stan Zizka's Del Satins
stan zizka
October 5, 2025Getting a vendor policy was quick and fairly priced compared to other quotes.
Kristine Fullerton
October 3, 2025Thank you so much
Steve Monreal
July 11, 2025 -
I needed a portable policy as a yoga instructor. I found this company in an online search. Called and got details from them, was quite surprised at how affordable... Read More
Jamie Calaway
July 4, 2025Very easy & quick experience. We got insurance in no time with no hassle. Thank you!
Robert Earnest
July 4, 2025I am glad I went with them. I needed a last minute policy to cover an event I was doing and they had exactly what I needed at a... Read More
Deloris Pacheco
June 27, 2025 -
Very easy to renew policy
Elyce Nissinoff
June 18, 2025Representative Sarah was very helpful. Walked me through every step and not to mention the price even matched the service! Would recommend to any and everyone.
queenkiam
June 18, 2025Would have 5 starts, but not right now. This is the first time I have ever had to pay for an additional insured ever in 20 year's. They either have... Read More
Anthony Burgess
June 18, 2025 -
Very user friendly platform. Multiple options. Very good pricing. Needed liability insurance in order to secure a very good paying event for my solo tribute show. Was set up within... Read More
Michael Riley
June 18, 2025Needed DJ insurance for Memorial Day weekend & was squared away within an hour for 2 events! Highly recommend
Jay Solis
June 18, 2025What a lovely experience I had with Insurance Canopy! Easy and fast sign up, great policy, matches my needs as a self-employed business owner. Highly recommend!
Masha Rusanov
June 18, 2025 -
great little company, with fair pricing, for entertainers who need occasional coverage. however, they have long hold times to speak to an agent, and their customer service left a little something... Read More
Gretje Angell
June 18, 2025Provides event insurance at a very reasonable price compared to other companies. Easy to purchase and provide proof of insurance.
David Fox
May 18, 2025They can help.you with the right Insurance you need, and the lowest price
Alvaro Baltazar
May 18, 2025 -
everything is excellent
Radames Martinez
May 18, 2025Extremely affordable event insurance and an easy to work with system and team that will advise you every step of the way!
Ishan Arvin
May 18, 2025Affordable for dance & yoga folk. Thumbs up!
Maia Claire
May 18, 2025
-
They provided clarity on the importance of insurance for a first time business owner in the cleaning space and provided clear insight next steps and options for coverage.
Evergreen Multiservices
February 2, 2026 -
Extremely user friendly website, super affordable and very little time needed to apply.
Carl Sari
January 31, 2026 -
Excellent company, Great service, the best!!!
Claudina Adams
January 15, 2026 -
Super affordable insurance for a small business like myself super happy to be able to provide this to my customers really helps of landing more gigs
Alex
January 5, 2026 -
Really went the extra mile to find the appropriate coverage for my business.
Daisy B
January 2, 2026 -
Canopy provided escatly what I neede to book the gig, and at a very affordable price.. Thank You!
Andy Anderson
December 22, 2025 -
Easy. Convenient. Trustworthy. Came thru in a moments notice
Eddie K
December 19, 2025 -
Affordable liability insurance for DJ's. Easy to set up and understand. I've been with them for several years and am happy with their service.
Peter Flessas
December 14, 2025 -
So easy to sign up. I hope I never have to use the insurance portion but most hotels require it for corporate gigs
Yuri Gonzalez
December 11, 2025 -
This company is great. They are very helpful and they have great prices for insurance options that cover what you need!
Jacob Serrano
December 6, 2025
Common Questions About Insurance for Referees, Umpires, and Sports Officials
Am I Covered if I Officiate Multiple Sports or Leagues?
Yes. Your Insurance Canopy policy covers you for any and all sports you officiate, as long as they are not specifically excluded from coverage (like water polo or a semi-pro league).
Why Do I Need My Own Policy if My League Has Insurance?
League insurance may only cover the organization itself and its property. If the league does include liability coverage for its coaches — that coverage may be limited.
Does This Insurance Protect Me if a Player, Coach, or Parent Sues Me?
Yes, as long as the underlying cause of the suit is covered, like claims of negligence (not taking proper action), errors in judgment (bad calls), or failure to enforce rules or safety.
Do Part-Time Referees Need Insurance?
Yes. Whether you referee 60 games a month or just one game a week, accidents can happen. You need liability insurance to protect yourself from costly claims and lawsuits when they do.
Choosing the right insurance is critical.
Need additional information before making a decision?
Give our team a call today at 844.520.6993.
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