Insurance for Basketball Teams & Leagues

Our Basketball Insurance Program is designed with every age range in mind and for that reason, we set our insurance rates to be based upon the number of participants. Whether you need insurance for one basketball team or an entire basketball league, you will find our program fits your needs perfectly. As highlighted below, in addition to General Liability and Accident Medical Insurance the Basketball Insurance Program has many features and add-ons to suit your specific needs.

  • Wide range of options for limits
  • FREE Additional Insured Certificates and Endorsements
  • Annual Policy Terms
  • Additional insurance coverages available such as Directors & Officers, Cyber Liability, Fidelity Bonds and Sports Equipment Coverage
  • Advice: You worry about growing your organization, and we will worry about protecting it.

Our Basketball Insurance Program is for:

Youth Basketball Teams & Leagues

Youth basketball is an exciting time for kids to try out a new sport and make friends. Children running, jumping, and throwing heavy basketballs can lead to injuries, however, and these young basketball players are often accident prone. Sports insurance for youth leagues is important to ensure both the children and the organization are safe.

Amateur Basketball Teams & Leagues

Amateur basketball teams and leagues are often organized primarily for fun and love of the sport, but that doesn’t mean the players don’t take the game seriously. Basketball is an intense contact sport, and amateur teams can play rough. Be proactive, and protect your amateur league with sports insurance to protect the players, team, and league from liability in cases of injury.

Applying Online

If you’re a current Gagliardi Insurance member looking to “renew” your policy, a current member looking to add onto an active policy or a prospective member seeking coverage for your organization; please click the below link to be directed to our Amateur Sports Insurance Online Application.

Amateur Sports Online Application

Paper Applications

If you’re a current Gagliardi Insurance member looking to “renew” your policy, a current member looking to add onto an active policy or a prospective member seeking coverage for your organization; please click the below link to download our Amateur Sports Insurance Application.

Amateur Sports Paper Application

If you’re interested in obtaining either General Liability coverage only or Accident Medical coverage only please visit our contact page and email Sales to obtain the appropriate Application.

Basketball Risk Management

Basketball is a contact sport that opens up plenty of opportunities for injury. While other contact sports of this nature require protective gear like helmets, pads, and shin guards, basketball players are relatively unprotected. Basketball injuries aren’t often life-threatening, but concussions, broken bones, muscle tears, and more can be pretty serious and expensive to fix.

Other common basketball injuries include broken, sprained, or badly bruised fingers, sprained or twisted ankles, broken noses, bad bruising or burns from slides, and even eye injuries. The players aren’t the only ones who can be hurt: spectators, especially courtside, are susceptible to getting hit by players or the ball, and may also suffer from basic trips and falls in the stands.

Common Game Injuries

  • Concussions
  • Ankle twists and sprains
  • Knee Injuries
  • Broken or sprained wrists
  • Muscle or ligament pulls or tears
  • Various bone breaks

Common Practice Injuries

  • Ankle twists and sprains
  • Internal and external knee injuries
  • Bruises, scrapes, brush burns

There is a possibility for a wide range of injuries: trips and falls can cause assorted damage, and contact on the court can lead to different types of injury. It’s vital that the players, teams, and leagues are protected by sports insurance.

Player safety

Players can take steps to improve safety on the court for both themselves and other players. Rules should be taken seriously, and no one should intentionally try to harm a competitor. Another important factor in player safety is wearing the right gear, or extra protective gear to prevent injury.

Basketball shoes are designed specifically for the sport. The tread minimizes sliding and has grip to prevent foot, ankle, or leg muscle injury. The high-top style of most basketball shoes supports the ankle, since basketball players often use quick, pivoting motions. Ideally, all players should wear shoes made for basketball and lace them tightly and securely.

Protective eyewear is recommended for players who wear glasses or contacts, or who have experienced eye injury before. Most protective sport eyewear is inexpensive and made of shatterproof glass.

Mouth guards are less common and rarely required, but can be worn. Wearing a mouth guard prevents injuries to teeth, lips, or tongue in case of a hard fall or a basketball to the face.

Game safety

To prevent injury as much as possible, players should do their best to play the game safely and by the rules. Many basketball rules are in place for safety, not just for the rules of the game itself.

Fouling opposing players and playing rough is common, but should be avoided for the safety of everyone on the court. Common fouls include shoving, tripping, or holding players, often called “illegal contact”. Referees are expected to keep the players in check to prevent these fouls that may lead to injury.

Players can improve their own safety during the game by staying well hydrated and maintaining a healthy diet. Dehydration or malnutrition can lead to illness and other serious injury, especially when using a lot of energy playing sports.

Some basketball leagues play year round, or players are active year round in various sports leagues. Excessive exercise can lead to injury as well due to increased strain on the muscles. Common excessive use injuries include tendonitis, shin splints, stress fractures, strains, and sprains.

Games and practices should be staffed with a first aid and CPR-certified referee, coach, or parent for emergencies. Many facilities are also required to have an automated external defibrillator (AED) on hand in case of a cardiac event.

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

In many respects, coaches are accountable for their players: it is their duty to remind players of rules and safety guidelines and ensure that they act accordingly. Coaches should also see that players wear the right gear and consider their health and potential injuries. A coach is expected to monitor:

Player’s physical health: If a player has an injury or a recurring injury, they should take the proper precautions to ensure their safety. Suggest protective gear, stretches, or bench players that are in danger of hurting themselves.

Pre and post-game conditioning: Coaches should encourage stretching, warm up, and cool down before and after games and practices. They can train their team, but they should condition players in due time so that there is no unnecessary strain or potential injury.

Equipment: The court itself should be clean and free of any possible causes of injury. Basketballs, nets, and other gear should be in good shape as well.

Basketball insurance should cover all necessary parties, including coaches, referees, and any other officials

Other sports we insure


Football Insurance

PONY Leagues