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 (PTD)
Professional athletes, college players, and highly ranked prospects need to protect themselves from the financial impact of a career-ending disability. Sutton’s Sports Disability insurance pays a tax-free lump sum benefit if the player cannot participate in their sport at a professional level due to sudden injury or illness. Disability insurance can be tailored to each player’s unique needs.
Temporary Total Disability (TTD)
Sports teams and players purchase TTD coverage to protect a contract if an athlete is temporarily unable to play. TTD is also highly effective protection for athletes who do not have guaranteed incomes such as professional golfers and tennis players. TTD insurance pays a monthly benefit for a stated period up to 36 months, and in some situations, can be packaged with a Permanent Total Disability benefit.
Accidental Death & Dismemberment (AD&D)
Sutton’s High Limit AD&D insurance provides a cost-effective supplement to Life insurance. Coverage is 24 hours, worldwide, with amounts up to $100 million. The benefit pays a tax-free lump sum amount to the athlete’s beneficiary in the event of accidental death or to the athlete in the event of accidental dismemberment. Teams can also purchase AD&D policies to cover a player and name the team as the beneficiary.
Submit sports applications 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.