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Football Insurance Coverage

Flag & Tackle Football Coverage

“Needed an insurance package for a local youth football team. Rhonda was fabulous! Very responsive and informative. Glad I called!”

Doug P.

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Insurance for Flag & Tackle Football Leagues

“Rhonda was very knowledgeable, responded to all of my questions quickly, and gave me A+ service! THANK YOU!”

Buffalo United Football Academy
football player outside sitting on the field while others practice

American football, referred to simply as football in the United States, is a team sport played by two teams, typically of eleven players each, on a rectangular field with goalposts at each end.

Football, whether flag or contact, is an excellent sport for developing strength, speed, endurance, coordination, and teamwork at any age or skill level. Owning, operating, or managing a football league, team, or facility is about providing athletes these benefits, among others.

While coaching and managing a football league or team can certainly be conducted safely, there are always risks to training and competing in football, operating a football league, or hosting a football game on your field or in your facility. Protective equipment, helmets, pads, referees, and safety training can all help mitigate the risk of playing football, but there’s always some potential for injury when taking the field.

Even if the football league or team has taken all realistic precautions, it can still be held liable for injuries and other issues related to its events and facilities.

Our insurance policies for football leagues and facilities allow you to focus on providing your services with peace of mind knowing that you are protected against potential risk.

We offer both general liability and accident medical insurance for any kind of recreational football league and provide coverages specific to the sub-sport.

For example, while flag football implies much less physical contact by making actions like tackling, grabbing, and running directly into other players against the rules, it also typically includes less specialized protective equipment. This means that, while many player-on-player injuries are less frequent in flag football than in tackle football, major sprains, breaks, bruises, and concussions do still occur.

Tackle football, on the other hand, often emphasizes the size, strength, endurance, and/or speed of the players in addition to their skill. While more athletic players may be more resilient against minor injuries, when injuries do occur, they are often severe, as the relative sizes and speeds at stake in the game are greater.

We offer policies exclusively covering flag football leagues, as well as tackle football leagues, and those organizations providing both flag and tackle football.

 “Everyone, everywhere, needs encouragement on a regular basis. Start with people you know and add to your list.”

Tony Dungy, NFL Coach and SuperBowl Champion as a player (XIII) and coach (XLI)
football quarterback practicing outdoors
football quarterback practicing outdoors
two football teams facing each other, outdoors
“Rhonda has been very easy to work with. She answers my questions promptly and has worked to help me figure out what I needed for coverage. I wouldn’t hesitate to refer anyone to you all.”
Kaufman Youth Football Association

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General Liability Insurance for Football

Our general liability insurance policy provides coverage for claims and lawsuits that allege bodily injury or property damage.

General liability covers up to a specific amount to spectators and other non-members of your organization who file a claim or lawsuit against your football organization. Fortunately for policyholders, investigation of the claim and adjustment of any potential payout are taken care of by the insurance company.

This includes injury of a player, coach, or spectator that may be due to negligence on the part of the named insured.  Football injuries, in particular, may occur as a result of incidents including, but not limited to, tripping in the field, collisions with other players, overheating during practice or a game.

General liability also covers property damage that may have been caused by the negligence of the named insured.

Accident Medical Insurance for Football

Our excess accident medical policy helps pay for out-of-pocket medical costs for an injured football player or coach. Injuries do happen when participating in youth and adult league football, whether flag or contact and an accident medical policy can keep injured players and coaches from facing a serious financial burden due to medical bills from an injury.

Covered individuals would encompass all registered members of your organization, including participants and volunteers, so long as the injury happened during a covered activity.

The policy pays medical bills for a member who is injured at your practice or game, or during activities you sponsor, if, either the member has no health insurance, or the medical bills exceed what the member’s insurance will pay. The limits for accident medical coverage also exceed those of general liability.

“If your dream ain’t bigger than you, there’s a problem with your dream.”

Deion Sanders, 2x NFL Superbowl Champion Player (Dallas Cowboys)

How Much Does Football Insurance Coverage Cost?

eSportsInsurance coverage includes $1,000,000 in general liability coverage per occurrence and $3,000,000 in aggregate. 

The following estimates are based on a $100,000 benefit and a $250 deductible. These estimates also cover cheerleading participants. 

Age Group 9 and under

  • $10,802 annual premium = 50 teams
  • $8,641 annual premium = 40 teams
  • $6,481 annual premium = 30 teams
  • $4,321 annual premium = 20 teams
  • $2,160 annual premium = 10 teams
  • $1,080 annual premium = 5 teams

$619 base fee for one team and ~$86-$216 per additional team

Age Group 10-12 and under

  • $12,002 annual premium = 50 teams
  • $9,601 annual premium = 40 teams
  • $7,201 annual premium = 30 teams
  • $4,801 annual premium = 20 teams
  • $2,400 annual premium = 10 teams
  • $1,200 annual premium = 5 teams

$619 base fee for one team and ~$134-$240 per additional team

Age Group 13-15 and under

  • $17,902 annual premium = 50 teams
  • $14,321 annual premium = 40 teams
  • $10,741 annual premium = 30 teams
  • $7,161 annual premium = 20 teams
  • $3,580 annual premium = 10 teams
  • $1,790 annual premium = 5 teams

$729 base fee for one team and ~$260-$358 per additional team

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Flag Football

Insurance Coverage

Tackle Football

Insurance Coverage

Why Choose eSportsInsurance?

Adult & Youth Sports

We Are Sports Insurance Specialists

Protecting You From The Unknown

Our Insurance Covers The REAL Risks

From Carriers That Specialize in Amateur Sports

We Offer Great Rates

Our Team Is Your Team

We Provide Personal Service

Our Location

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3100 Five Forks Trickum Road | Suite 101 | Lilburn, GA 30047

Football Insurance Coverage

Customer Feedback

“This is our first experience with eSportsInsurance and we are very happy with the service, knowledge, and professionalism they have provided. Rhonda Crook has been an excellent point of contact for our agency as we play flag and tackle football and cheer coverage with their program. The application process is easy to follow. We look forward to a long-term relationship!

We have been writing business with eSportsInsurance for two years now
and they have exceeded our expectations. Their website is easy to navigate and if we have any questions, Rhonda is always available to help us out. It’s nice to speak to an individual on the phone instead of getting a recorded message! Thanks, eSportsInsurance for taking care of our youth sports program’s insurance needs!”

Patricia H. J.