What insurance to take out when you are a sports coach?
Are you a sports coach and wondering about your insurance needs related to your activity? What are the main risks in your business? When do you become responsible? Find all our advice to practice your profession serenely and our top 3 of the best insurances on the market.
Summary
What is the price of the RC Pro sports coach?
How does professional sports coach insurance work?
What are the guarantees of professional sports coach insurance?
Sports coach, what are the other insurances for your activity?
What is the price of the RC Pro sports coach?
There are many RC Pro insurance contracts available to insure you as a sports coach. Here we present the three cheaper contracts that we have identified.
Hiscox
Guarantees
RC Pro
PJ optional
RC Optional operation
Cyber warranty optional
Opinion
The cheapest contract on the market. It is recommended to add the operating liability guarantee. No deductible.
Rate
175.50 € / year with the broker Coover
Solly Azar
Guarantees
RC Pro
RC Operation
Opinion
Best value for money for sports coaches. Ceiling of 250,000 euros
Rate
176.22 € / year with the broker Coover
AXA
Guarantees
RC Exploitation RC ProDefense and Recourse
Opinion
Free monthly payment and electronic signature. Ceiling of 100,000 euros
Rate
270 € / year with the broker Coover
(180 € / year for self-employed people)
RC Pro Sports Coach Award
The prices presented correspond to the basic professional civil insurance contracts for sports coaches. The price may be higher depending on the options subscribed and the turnover declared.
How does professional sports coach insurance work?
The profession of sports coach is not a regulated activity, therefore professional civil insurance is not compulsory. However, it remains highly recommended.
The sports coach RCP protects you in the event of material, immaterial and above all bodily damage caused to a third party during your professional activity. This damage can be caused by you, your employees and even your equipment.
The sports coaching activity exposes you to many risks. Here is an anthology of the most common cases of liability:
a client is injured breaks personal equipment during training due to fault or negligence on your part;
a student criticizes you for giving him bad advice;
you are accused of violating medical confidentiality.
Sports coach insurance covers you regardless of the location of the accident: in a gym, at a client's home, in a public space, etc.
Thanks to this coverage, in the event of a claim, it is the insurer who will assume the sums due to the victim of the claim.
What are the guarantees of professional sports coach insurance?
The RCP sports coach insurance contracts contain various guarantees which are either included in the basic basis or as an option.
Professional civil liability sports coach
Main risks
You are charged with negligence resulting in physical injury to a client who turns on you.
Probability
High
Comments
Special offers exist for self-employed sports coaches
RC Operation
Main risks
You break sports equipment at a customer's premises by accident
Probability
High
Comments
The operating liability is a more general guarantee that covers general damage related to the life of the company
Defense and appeals
Main risks
You are ordered to pay legal costs
Probability
Weak
Comments
Rarely used but very useful because of the amounts involved in the event of a procedure
Juridic protection
Main risks
Litigation with a customer or with a sports equipment supplier for example
Probability
Medium
Comments
Warranty often available as an option but rarely in the base base
Whatever activities you teach, these guarantees will be essential to peacefully practice your profession.
If you work as a salaried sports coach in a gym, you will be covered by insurance from the organization that employs you. On the other hand, if you work there as a self-employed person, the room will ask you to take out a contract.
Sports coach, what are the other insurances for your activity?
Mutual health insurance Unemployed worker
Status
Optional
Remark
The mutual health insurance allows you to supplement the reimbursements of the Health Insurance. With the Madelin law, deduct your contributions from your taxable income.
Rate
from 20 € per month for a single person
Car Insurance
Status
Mandatory if you use a vehicle while performing your duties
Comm
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