What is Tennis Facility Insurance?

Tennis facilities are exposed to a range of potential risks, as they both have assets to protect and can be named in liability suits. Tennis facility insurance helps tennis facilities protect themselves from many of the risks they face.

Tennis facility insurance is a specialized form of commercial insurance that’s specifically designed for tennis 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.

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What Coverages Does Tennis Club Insurance Provide?

Since coverages can be adjusted to meet individual clubs’ needs, tennis 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 tennis 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 tennis 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 tennis 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

  • Sexual Abuse and Molestation Coverage, which may cover minors who make allegations of improper behavior by employees or contractors on-site

Protect Your Business

Do Tennis Club Policies Include Workers Compensation Insurance?

Whether workers compensation is included in a tennis club policy varies both by state and policy. In some states, workers comp is available through tennis club policies. In other states, workers comp must be purchased separately as a stand-alone protection.

Insurance agents who are familiar with tennis club policies can usually also assist with workers compensation.

What Businesses Need Tennis Club Insurance?

Most tennis facilities can benefit from the protections that tennis club insurance offers. This includes both tennis clubs and other country clubs that have substantial tennis 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 tennis club insurance will be able to determine whether this is an appropriate insurance for a specific business.

What Factors Affect Tennis Club Policies’ Premiums?

Insurance companies take many factors into account when setting premiums for tennis 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

  • 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.

Make Sure You Have the Right Coverage

How Can Tennis Clubs Get Tennis Facility Insurance?

To get help finding tennis facility insurance for your tennis club, contact the experienced and independent insurance agents at World Insurance Associates. Our agents have helped many tennis clubs compare policies, and they’re aware of what protections clubs need. They’re also independent, so they can browse policies from multiple insurers to get your facility the best policy that offers the coverages you want.


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Meet Your Industry Specialist

Tom Fontana 

Mr. Fontana joined World Insurance Associates LLC from AJ Gallagher. He is from Holmdel and is based in Tinton Falls, NJ. Tom has 29 years of insurance experience. In 1991, he founded his own insurance agency, Property & Casualty Group, which he sold to Bollinger in 2011.

Prior to starting his insurance career, Mr. Fontana was an ATP ranked professional tennis player and continues to stay active in sports with his specialization of insuring all types of sports facilities, including tennis clubs and pool management companies.

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