Insurance for Soccer Teams & Leagues

Our Soccer 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 soccer team or an entire soccer league, you will find our program fits your needs perfectly. As highlighted below, in addition to General Liability and Accident Medical Insurance the Soccer 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 Soccer Insurance Program is for:

Youth Soccer Teams & Leagues

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

Amateur Soccer Teams & Leagues

Amateur soccer 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. Soccer 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 for 2020, 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 2020 Amateur Sports Insurance Online Application.

Amateur Sports Online Application

If you’re a current Gagliardi Insurance member looking to add teams or coverages onto your active 2018 policy, please click the below link to be directed to our 2018 Amateur Sports Insurance Online Application.

2018 Amateur Sports Online Application

Paper Applications


If you’re a current Gagliardi Insurance member looking to “renew” your policy for 2019, a current member looking to add onto an active 2019 policy or a prospective member seeking coverage for your organization; please click the below link to download our 2019 Amateur Sports Insurance Application.
2019 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.

If you’re a current Gagliardi Insurance member looking to add teams or coverages onto your active 2018 policy, please click the below link to download our 2018 Amateur Sports Insurance Application.

2018 Amateur Sports Paper Application

Why You Need Soccer Insurance

Soccer is the most popular sport globally, and in youth, amateur, and professional leagues it has become more popular in the United States as well. While soccer is a fun form of exercise, there is also ample opportunity for liability. As a contact sport, soccer has a high chance of player injury as well as other potential liabilities. Whether you’re playing in a school yard, local field, or professional indoor stadium, your soccer team should always be protected against potential risks. A comprehensive soccer insurance policy will cover all of your bases, so your team, players, and staff are safe.

Common Soccer Injuries:

  • Concussions
  • Knee injury
  • Ankle twists and sprains
  • Muscle or ligament pulls or tears
  • Broken bones

The possibility for injury in soccer is high. Because there is a high level of physical contact, there are various potential injuries ranging from bruises and scrapes to broken bones, torn muscles, or concussions. The leading cause of soccer related injuries is player-to-player contact.

Soccer Player Safety

Soccer players can and should take certain safety precautions to prevent injury. Soccer leagues and individual teams should enforce safety standards for players, and certain protective gear should be mandatory for games and practice. Players should also be mindful about following all rules; most rules are in place for safety reasons and must be taken seriously.

Soccer cleats: proper shoes should be worn to protect players’ feet and reduce twisted ankles and similar injuries. Cleats should be rubber or have ribbed soles for traction

Shin guards: shin guards should be worn at all practices and games. They should reach from just below the knee to the ankle. Some shin guards include ankle guards; these are encouraged, but typically not required.

Soccer socks: tall soccer socks should be worn at all games and practices. Soccer socks hold the shin guards in place.

Mouth guards: mouth guards are usually not mandatory, but encouraged. Mouth guards protect the mouth, teeth, and tongue from injury in case of a player-player or player-ball collision.

Goalie gear: goalies have their own specific gear that typically includes a long sleeve shirt with padding and soccer goalie gloves. Some goalies may choose to wear padded shorts or pants as well.

Soccer Field and Game Safety

Preventative measures should be taken to ensure that the field is safe for players and that games run smoothly and injury-free. Players should understand and respect all rules and on-field regulations to reduce the chance of injury. Blatant disregard for the rules or other players’ safety should result in player ejection from the game or even multi-game suspension.

  • Soccer nets should be secure and anchored to the ground. Goal posts should be padded in case of a collision. Players should never be permitted to hang on or climb soccer nets or goal posts.
  • Players should remove all jewelry to prevent injury. First aid kits should be available and an emergency plan in place for cases of injury.
  • Players should stay hydrated, especially on hot, sunny days. Before the game, drink plenty of fluids. Be sure to bring water or another hydrating drink to games and practices. Dehydration can result in fainting, heat stroke, and cramps.
  • Teach and practice proper technique when heading the ball. Headers are one of the most common causes of injury in soccer, and can result in concussion, head, and neck injuries.

Soccer Coach Accountability

Soccer coaches are accountable for their players’ safety to a certain degree. They should teach best practices and techniques for safety and enforce all rules. A coach is expected to monitor:

Player health: if a player is injured or seems to be in poor health, coaches should take precautions to ensure their safety. Suggest the proper protective gear, instruct players on stretching techniques, and bench players who are unfit to play.

Pre and post-game conditioning: Coaches should administer warm ups, cool downs, and stretching before and after games and practices. Without these safety practices, players are more likely to strain or injure muscles.

Equipment: all equipment should be checked and on par with safety standards. Nets should be secure and posts should be padded. Players should be wearing all required protective gear.

Soccer insurance should be in place to cover any necessary parties, including coaches, referees, league administrators, volunteers, and any other staff or officials.

Program Overview

General Liability

Liability TypeLimit(s)
General Liability Aggregate:$2,000,000
General Liability Per Occurrence:$1,000,000
Products & Completed Operations (Aggregate Limit):$1,000,000
Personal & Advertising Injury Limit:$1,000,000
Damage to Rented Premises:$300,000
Medical Expense:Not Included (Available)
Abuse and Molestation:Not Included (Available)
Participant Liability:$1,000,000 (Accident Medical Coverage Required)
Hired Auto & Non-Ownership Liability:$1,000,000
Deductible Option(s):None

Excess Liability

(The Excess Liability Limits are in addition to the General Liability Limits)

Option 1

Liability TypeLimit(s)
Excess Liability Aggregate:$1,000,000 ($3,000,000 “Total Liability Aggregate”)
Excess Liability Per Occurrence:$1,000,000 ($2,000,000 “Total Liability Per Occurrence”)
Excess Personal & Advertising Injury Limit:$1,000,000 ($2,000,000 “Total”)
Excess Covered Auto Aggregate Limit:$1,000,000 ($2,000,000 “Total”)
Deductible Option(s):None

Option 2

Liability TypeLimit(s)
Excess Liability Aggregate:$2,000,000 ($4,000,000 “Total Liability Aggregate”)
Excess Liability Per Occurrence:$2,000,000 ($3,000,000 “Total Liability Per Occurrence”)
Excess Personal & Advertising Injury Limit:$2,000,000 ($3,000,000 “Total”)
Excess Covered Auto Aggregate Limit:$2,000,000 ($3,000,000 “Total)
Deductible Option(s):None

Accident Medical

Liability TypeLimit(s)
Accident Medical:$25,000  |  $100,000 (Online Only)
Accidental Death & Dismemberment Benefit:$10,000
Dental Benefit Maximum:$250
Deductible Option(s):$100  |  $250  |  $500

Other sports we insure


Football Insurance

PONY Leagues

Basketball Insurance