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Racquet Club Insurance Guide

Last Reviewed: June 19, 2026
Reviewed by: Adrian Holloway, CompleteMarkets Editorial Team

Reviewed for accuracy based on current insurance program structures, carrier guidelines, and real-world coverage practices across the CompleteMarkets network.

Overview

Racquet club operators need coverage for member injuries, guest slips and falls, court and equipment damage, and claims tied to lessons, events, or league play. A single policy rarely handles all of that well, which is why most clubs build a package with liability, property, workers' comp, cyber, and umbrella protection.

If your facility runs tennis, pickleball, squash, or a mixed racquet program, use this guide to compare the coverage pieces that fit the way clubs actually work.

Who This Hub Is For

This guide is for club owners, facility managers, and advisors who need a clear view of how racquet club insurance is usually built. It also helps insurance agents and brokers line up the right coverage stack for clients with courts, pro shops, lessons, tournaments, and food or beverage service.

Private racquet clubs with tennis, pickleball, or squash courts
Member-based clubs that host leagues, clinics, and tournaments
Swim and racquet club operators with pool and clubhouse exposure
Facilities with pro shops, rentals, or on-site concessions
Insurance agents evaluating coverage options for clients in this space

Why Specialized Insurance Matters

Standard business insurance may cover part of the risk, but racquet club operators face claims tied to athletic activity, spectators, equipment use, and premises conditions. A player can be hit by a stray ball, slip near a wet entryway, or allege poor supervision during a lesson.

Clubs also have property exposures that a basic package can miss, including court surfaces, nets, ball machines, scoreboards, locker rooms, and clubhouse systems. If the operation has employees, online booking, member records, or alcohol service, you may need workers' comp, cyber, EPLI, and specialty liability forms as well.

How Programs Are Structured

Most racquet club programs start with general liability and property coverage, then add workers' compensation, business income, and equipment breakdown where needed. Clubs with lessons, events, or larger member bases often add umbrella limits, EPLI, cyber, and hired or non-owned auto for shuttle, catering, or event use.

If the club has a pool, pro shop inventory, food service, or alcohol sales, those pieces usually sit on top of the core package through endorsements or separate policies. The goal is to make sure the property, daily operations, and special exposures all fit together without gaps.

Coverage Sections

Core liability

Racquet Clubs: Core market page for clubs and facilities that need a broad starting point for liability, property, and package placement.
Tennis and Racquet General Liability: Helps cover third-party injury, property damage, and defense costs tied to member play, lessons, or events.
Commercial Umbrella / Excess Liability: Adds higher limits over the primary liability policies when the club has bigger attendance, tournaments, alcohol service, or contract requirements.
Employment Practices Liability (EPLI): Helps with claims tied to hiring, termination, discrimination, harassment, or other employee disputes.

Property / operational

Swim and Racquet Clubs: Useful for clubs with pool operations, clubhouse amenities, and a broader recreation footprint.
Tennis and Racquet Clubs: Fits club-style facilities that combine courts, social space, and recurring member activity.
Business Income / Interruption: Helps replace lost income if a covered property loss shuts down courts, locker rooms, or the clubhouse.
Equipment Breakdown: Helps with sudden failure of HVAC, refrigeration, electrical systems, or other machinery that keeps the facility running.
Crime / Employee Dishonesty: Helps with theft, fraud, and money-handling losses from dues, pro shop sales, or event receipts.

Specialty / excess

Cyber Liability: Helps with booking platform breaches, member data exposure, ransomware, and notification costs.
Hired & Non-Owned Auto: Adds protection when staff drive rented, borrowed, or personal vehicles for club errands or events.
Abuse & Molestation: Often considered when the club serves youth programs, camps, or supervised instruction.
Workers' Compensation: Helps cover employee injuries from court maintenance, lifting, cleaning, coaching, or front-desk work.

Coverages Applicable At A Glance for Racquet Clubs

Some rows link to dedicated coverage pages. Others are standard coverages that often belong in a complete club program even when there is no separate spoke page.

Coverage	What It Helps Cover	Usually Needed As	Why It Matters
Racquet Clubs	Core placement for the club operation, often combining package elements for liability and property.	Primary package policy	This is the anchor coverage for the facility and the best starting point for a full program.
Tennis and Racquet General Liability	Third-party injury, property damage, and related defense costs.	General liability	Covers common member and visitor claims from play, lessons, and daily traffic.
Swim and Racquet Clubs	Pool operations, clubhouse exposures, and combined recreation risks.	Club package or specialty property/liability program	Useful for mixed-use facilities with more moving parts than a court-only club.
Tennis and Racquet Clubs	Member facilities, club amenities, and recreational operations.	Commercial package or club program	A strong fit for club operators that need a broader property-and-liability structure.
Business Income / Interruption	Lost income after a covered property loss, plus certain continuing expenses.	Endorsement to property policy	Keeps revenue moving when courts or clubhouse space cannot open.
Equipment Breakdown	Mechanical or electrical failure for critical systems and club equipment.	Property endorsement	Covers sudden breakdowns that can shut down operations fast.
Cyber Liability	Data breaches, ransomware, and member notification costs.	Standalone policy or endorsement	Important if the club stores payment data, waivers, or member records.
Commercial Umbrella / Excess Liability	Higher liability limits above the primary policies.	Excess liability layer	Helps when one claim could outgrow the base limits.
Employment Practices Liability (EPLI)	Employment-related claims from staff or former employees.	Management liability policy	Useful for clubs with front desk staff, coaches, and maintenance crews.
Hired & Non-Owned Auto	Liability from vehicles the club does not own but uses or borrows.	Auto liability endorsement	Covers errands, event support, and occasional vehicle use by staff.
Abuse & Molestation	Claims involving youth programs, lessons, or supervised activities.	Specialty liability coverage	Often reviewed for clubs with minors on site.
Crime / Employee Dishonesty	Theft of cash, inventory, or funds by employees or outsiders.	Crime policy or endorsement	Helpful when the club handles dues, pro shop sales, or event money.
Workers' Compensation	Employee medical costs and lost wages from work injuries.	Statutory coverage	Usually required once the club has employees.

Note: This table is a general planning guide. Coverage availability, limits, and requirements vary by carrier, state, and specific operations.

What does Racquet Club Insurance cost?

Pricing varies based on court count, member traffic, payroll, revenue, claims history, pool exposure, alcohol service, and whether the club needs higher liability limits or specialty endorsements.

Business / Buyer Type	Estimated Annual Revenue	Typical Setup	Coverage Mix	Estimated Annual Premium
Small racquet club	$250,000 - $750,000	A few courts, limited staff, basic lessons and member play	Core coverage package	$6,500 - $18,000
Mid-size club operation	$750,000 - $2,000,000	More courts, coaching staff, pro shop sales, and events	Standard + optional coverages	$14,000 - $35,000
Large member facility	$2,000,000 - $5,000,000	Busy club with clinics, tournaments, food service, and broader amenities	Full program structure	$28,000 - $70,000
Mixed recreation club with pool	$1,500,000 - $4,000,000	Courts plus aquatic and clubhouse exposure	Basic + layered protection	$24,000 - $85,000
Premium club with youth programming	$3,000,000 - $8,000,000	Higher attendance, staff oversight, camps, private events, and larger limits	Primary + excess coverage mix	$40,000 - $120,000+

The biggest price swings usually come from claims history, pool exposure, liquor liability, payroll size, and whether the club needs umbrella limits above the base policy.

For a quick, personalized estimate based on your situation, request a quote here. A specialist can help match the right coverage structure to your needs and budget.

Common Risks

Player and guest injuries from falls, collisions, or ball-related accidents
Court surface damage, net failure, and wear on expensive playing equipment
Losses from clubhouse fires, water damage, or mechanical breakdown
Claims tied to coaching, clinics, lessons, or youth programs
Data breaches involving member accounts, booking systems, or stored payment data
Theft of cash, shop inventory, or member payments

How Coverages Work Together

General liability usually responds first when a member, guest, or vendor says the club caused injury or property damage. Property coverage steps in for damage to the building, courts, contents, and equipment, while business income helps recover lost revenue after a covered shutdown.

From there, cyber fills the data and payment gap, EPLI handles staff disputes, and crime coverage protects money and inventory. Umbrella or excess liability sits on top of the primary policies to give the club more room if a serious claim goes beyond the base limits.

Building a Complete Program

Start with the core liability and property package, then add the pieces that match how the club operates. A court-only facility may need a simpler structure, while a club with coaching, youth camps, food service, a pro shop, or a pool usually needs more layers.

Review limits against contracts, member count, payroll, vehicle use, and seasonal revenue swings. When you compare programs, look at what is included, what is excluded, and where specialty endorsements are needed so the final structure matches the real exposure.

Get Help Comparing Coverage Options

Compare available programs and request a quote. Connect with a specialist or provider to review coverage options.

FAQ

What insurance does a racquet club usually need?

Most clubs start with general liability, property, workers' compensation, and business income. Many also add umbrella, cyber, EPLI, equipment breakdown, and crime coverage depending on how the facility runs.

How much does racquet club insurance cost?

Small clubs may land in the mid-thousands per year, while larger or busier facilities can run much higher. Revenue, staff count, claims history, pool exposure, and limit choices drive most of the difference.

Do clubs need special liability coverage for lessons and tournaments?

Yes. Lessons, clinics, leagues, and tournaments raise the chance of injury claims, so clubs often want a strong general liability form and an umbrella layer above it.

What coverage helps if the clubhouse or courts shut down after a fire or water loss?

Property coverage handles the physical damage, and business income coverage helps replace lost revenue while the club repairs and reopens.

When should a club add cyber or EPLI?

Cyber makes sense when the club stores member data, processes payments, or uses online booking tools. EPLI is worth reviewing once the operation has employees, coaches, or recurring hiring and termination activity.