Pickleball Facility Insurance

Pickleball facilities are exposed to a range of potential risks, as they both have assets to protect and can be named in liability suits. Pickleball facility insurance helps pickleball facilities protect themselves from many of the risks they face. Pickleball facility insurance is a specialized form of commercial insurance that’s specifically designed for pickleball facilities and clubs. Most policies are package policies that combine several individual coverages together so that they can offer protection against multiple risks. In most cases, the coverages in a policy can be adjusted for a particular facility’s situation.

Since coverages can be adjusted to meet individual clubs’ needs, pickleball club insurance policies don’t always provide the same set of coverages. Nonetheless, there are many coverages that policies normally make available as either standard or optional protections. These can be broken down into property and liability coverages. Some common property coverages that are widely available include: Building coverage, which may cover buildings that a club owns; contents coverage, which may cover many items kept on a club’s property; equipment coverage, which may cover certain other equipment; coverage for air supported structures, which may cover "bubbles" or similar structures used to protect pickleball courts from the elements; equipment breakdown coverage, which may cover equipment that is lost due to mechanical or electrical breakdown.

Some common liability coverages that clubs frequently get are: General liability coverage, which may cover common accidents; professional liability coverage, which may cover errors made by pickleball pros and coaches who work for a club; product liability coverage, which may cover injuries and damage caused by products a club sells (e.g. rackets and ball machines); participant liability coverage, which may cover pickleball players’ injuries; spectator liability coverage, which may cover spectators’ injuries; supplemental liability coverage, which may cover other services (e.g. pools); umbrella liability coverage, which may provide additional liability protection; employment related practices liability, which may cover employers against discrimination claims by employees; and sexual abuse and molestation coverage, which may cover minors who make allegations of improper behavior by employees or contractors on-site.

Whether workers compensation is included in a pickleball club policy varies both by state and policy. In some states, workers comp is available through pickleball club policies. In other states, workers comp must be purchased separately as a stand-alone protection. Insurance agents who are familiar with pickleball club policies can usually also assist with workers compensation.

Most pickleball facilities can benefit from the protections that pickleball club insurance offers. This includes both pickleball clubs and other country clubs that have substantial pickleball operations.

Businesses that are unsure whether this or another type of commercial insurance is best for their situation can speak with a knowledgeable insurance agent. Someone who specializes in pickleball club insurance will be able to determine whether this is an appropriate insurance for a specific business.

Insurance companies take many factors into account when setting premiums for pickleball club policies. A few of the items they might consider include where a facility is located, how large a facility is, what services a facility offers, what type of employees a facility has, what safety equipment is on hand at a facility, what coverages a facility selects, and whether a facility has previously filed insurance claims. Facilities can find out how much insurers will charge them by requesting quotes through an independent agent.