Sports and recreation insurance

Provide fun, safe experiences without worrying about the potential financial consequences of an unexpected incident.

One photo of a young male yoga instructor, second photo of a kayak instructor and class on a river, and the last photo of a youth soccer team celebrating a win.

The sports and recreation industry is all about having fun, but it’s not without risks.

From fitness studios to campgrounds, businesses in the sports and recreation industry face a range of liability risks. Common risks include bodily injury, property damage, and even lawsuits. Without the right insurance coverages, a single incident can quickly lead to costly legal fees, medical bills, and reputational damage that could put the future of your business in jeopardy.

Thankfully, having the right insurance coverage can help sports and recreation businesses protect themselves from these risks.

What insurance does the sports and recreation industry need?

General Liability

Helps protect businesses from claims caused by bodily injury, property damage, or personal injury. These risks can happen to any business, small or large.

Inland Marine

Inland Marine insurance offers protection for your transportable property. Inland Marine insurance can cover a wide range of specialized property that moves or is transported across land.

Employment Practices Liability Insurance (EPLI)

EPLI provides defense and compensation for employee-related lawsuits ranging from sexual harassment, discrimination, and other questionable employment practices.

Cyber Security

Cyber Security insurance covers expenses related to lost or compromised data, payment fraud, data restoration expenses, and more.

Commercial Property

This covers your building and your business’s personal property, such as computers and furniture, with additional coverage options for machinery, stock, and operating expenses in the event of a loss.

Workers’ Compensation

Workers’ Compensation provides the coverage and resources you need to help get your employees healthy and back to work after they sustain a work-related injury.

SECURA works with many types of businesses, providing customized insurance solutions for companies of all sizes.

Don’t see your industry listed? Have a conversation with your local agent to learn more about how SECURA Insurance is right for your business.

  • 24/7 fitness facilities
  • Amusement and inflatable rentals
  • Bicycle rentals
  • Boot camps
  • Campgrounds and RV parks
  • Camps
  • Baseball or softball leagues
  • Batting cages
  • Canoe or kayak rentals
  • Climbing walls
  • Circuit workout facilities
  • Dance studios
  • Flag football
  • Health clubs
  • Horse stables and boarding
  • Hunt clubs and preserves
  • Hunting guides and outfitters
  • HIIT facilities
  • Horse stables and boarding
  • Ice skating (no hockey, no figure skating)
  • Indoor rock climbing
  • Indoor/outdoor playgrounds
  • Laser tag
  • Martial arts studios
  • Miniature golf
  • Paintball
  • Personal trainers or fitness instructors
  • Pickleball leagues and tournaments
  • Ping pong leagues and tournaments
  • Raquetball teams and tournaments
  • Road bicycle clubs
  • Roller skating rinks
  • Rope courses
  • Running clubs
  • Soccer leagues and tournaments
  • Sports facilities
  • Swim schools and clubs
  • Swimming leagues and tournaments
  • Tennis leagues and tournaments
  • Ultimate Frisbee
  • Volleyball teams and tournaments
  • Wrestling leagues and tournaments
  • YMCAs
  • Yoga, pilates, barre studios
  • Youth sports teams
  • Zip lines

Policyholder benefits that work

Risk management services

Our policyholders have unlimited access to a wealth of safety talks, safety programs, on-demand videos, and other loss prevention resources. Our risk management team provides on-site consultations to help identify safety improvements and provide customized loss prevention guidance.

Exceptional claims experience

Our dedicated claims team is empathetic and strives to listen and answer any questions to ensure a full understanding of our process. When you notify us of a loss, we’ll call you within eight business hours, follow up regularly, and work with you until your claim is resolved.

Independent local agents

SECURA works with licensed independent agents in your community who help you find the right insurance solutions for your company. As your company grows, our independent agent partners can help you understand how your company’s insurance needs may change.

Read more about sports and recreation

Gym safety is important for every user. One underinsured accident could lead to a closure of the gym.


Since 1900, we’ve been known for our genuine people and exceptional service. By working with an experienced insurance provider who understands the risks and needs of your businesses, you can ensure you have the right coverage to protect your investment and keep your business running smoothly. In partnership with our independent agents, we can provide a custom insurance policy perfect for your unique needs.

SECURA operates in 13 states with a variety of business insurance solutions, and we are proud to support the communities that have welcomed us for more than a century.

Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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