Go with the pros.
Professional Sports Insurance
A career-ending injury can be devastating to an athlete. Sutton Special Risk is a leading provider of Professional Sports insurance protection with over 40 years of experience. Our underwriting expertise, reputation for competitive rates, and commitment to outstanding service enable us to best respond to the unique insurance needs of athletes.
Our specialty products for the sports world focus on the following financial exposures:
Personal coverage purchased by athletes protects their future income from a career-ending injury or illness
Team purchased coverage to protect their contractual obligation to the individual players.
Team purchased coverage to respond to the exposure of a catastrophic accident associated with team travel.
Permanent Total Disability
Used to protect professional athletes, college players, juniors with highly ranked ‘up and coming’ status and professional sports team executive management from career ending disability. Permanent Total Disability is defined as being totally disabled as a result of bodily injury, sickness or disease, preventing the Insured from ever again participating in their own occupation. Benefits are payable in a lump sum with an elimination period of 12 months.
Temporary Total Disability
Designed to respond in the event that a professional athlete is temporarily unable to work. TTD is defined as being wholly and continually prevented from performing the major duties of their occupation, due to accidental injury or sickness. Options vary from a 60-day elimination period to as long as required and a benefit period from 1 to 5 years. Monthly benefits can be selected to any level which is economically justified. Teams, protecting their contractual obligation to key players, often purchase TTD coverage, but it is also effective for athletes that have no guaranteed income, such as pro golfers.
Accidental Death & Dismemberment
Principal coverage is a lump sum benefit for accidental death. Also included are benefits for loss of limbs or faculties under a dismemberment schedule. Coverage can be provided to an entire team or on an individual basis. Teams travelling together on single aircrafts can result in potentially high accumulation of benefits. These risks can be insured to any required aggregate. This coverage is usually purchased by the team with themselves as the beneficiary. The sum insured is normally the equivalent to the player’s contract, although asset value can be taken into consideration.
Submit sports applications and claims on the Sutton portal by clicking the button below.
Provide your name, email, and address. Your registration will be approved almost immediately. You will be notified by email when your registration is approved.
Submit the HDF if you are renewing coverage, or the Sports Disability Application if you are applying for coverage for the first time. For new applications, please include your PPME from training camp.
Responding to the unique insurance needs of athletes since 1978
Basketball
We got our start providing professional sports disability insurance to hockey teams and players, and since have expanded our offering to cover many professional sports accross North America, including the NBA. Through our longstanding relationship with Lloyd’s, we have the insurance backing and the expertise to provide best-in-class coverage for high-earning athletes.
Tennis & Golf
An injury or illness can leave an athlete off work for an extended period of time, which poses a problem for athletes who do not get paid unless they play. Temporary Total Disability insurance is especially important for golf and tennis players whose earnings are not guaranteed, because it provides the financial protection they need to get back on their feet.
Hockey
A career-ending injury can be devastating to a young highly-rated athlete with dreams of playing in the NHL. Permanent Total Disability insurance provides a lump sum benefit in the event a player suffers an injury or illness that prevents them from playing professionally. We also provide coverage for professional hockey players in leagues across North America and elsewhere in the world.