Pickleball & Racquet Club Insurance Coverage Checklist
The coverages a pickleball & racquet club business may carry — core, prevalent, and situational — why each matters, and the gap most often missed.
Pull out your current policy and check the box next to any coverage you can confirm is already in place — anything unchecked is worth a quick conversation with your advisor. Coverage checklist for pickleball facilities and tennis, padel, and racquet clubs. Priorities reflect typical exposure for this class; confirm against your actual facility and programs.
Tick each coverage you can confirm you carry — anything left unticked is a good question for your next policy review.
| Have it? | Coverage | Why this business needs it | Priority |
|---|---|---|---|
| General Liability (incl. | Participant Injury) Covers player injuries — confirm participants are not excluded. | Core | |
| Business Property | Covers the building, courts, lighting, nets, and equipment. | Core | |
| Workers' Compensation / Employer's Liability | Covers staff and employed coaches. | Core | |
| Liquor Liability | Needed if you serve or allow alcohol. | Prevalent | |
| Abuse & Molestation | Covers allegations involving youth programs and camps. | Prevalent | |
| Professional Liability (Instruction) | Covers claims that coaching caused injury. | Prevalent | |
| Employment Practices Liability | Covers claims by staff and coaches. | Situational | |
| Business Income | Replaces income if courts or the building are shut down. | Prevalent | |
| Accident / Participant Medical | Pays small medical bills regardless of fault, reducing lawsuits. | Situational | |
| Umbrella / Excess Liability | Adds limits landlords and event partners require. | Situational |
The coverage gap most often missed
The gap most often missed by pickleball and racquet clubs is the participant exclusion. Some low-cost policies exclude injuries to people playing — exactly where claims come from, as pickleball ER visits nearly quadrupled from 2018 to 2024, mostly among players over 50. Noise suits from neighbors are the other new risk, and many policies don't defend nuisance claims. Confirm participants are covered, use a signed waiver, and require coaches and renters to carry their own insurance.
Send us the checklist and we'll review your pickleball & racquet club coverage line by line, then market it across multiple carriers that compete for your account.
Related: Pickleball & Racquet Club Insurance · Pickleball & Racquet Club Supplemental (apply) · All coverage checklists
Frequently asked questions
What insurance does a pickleball & racquet club business need?
The core coverages for a pickleball & racquet club business are General Liability (incl., Business Property, Workers' Compensation / Employer's Liability. This checklist also lists the prevalent and situational coverages worth considering, with a plain-English note on why each matters.
Is this checklist insurance advice?
No. It is a free educational tool to help you have a more informed conversation with a licensed professional. It affords no coverage and is not insurance, legal, or financial advice — only your actual policy language governs what is and isn't covered.
Can Cory Washington & Co. review my pickleball & racquet club coverage?
Yes. Share your checklist and we'll review your program line by line, market your account across multiple carriers, and explain the trade-offs in plain English. Cory Washington & Co. LLC is licensed in all 50 states.
This checklist is a free educational tool from Cory Washington & Co. to help you review your own coverage and have a more informed conversation with a licensed insurance professional. It is general information only — not insurance, legal, or financial advice, and not a recommendation to buy, change, or cancel any policy. Coverage terms, availability, limits, and requirements vary by policy, carrier, and state, and only the language in your actual policy governs what is and isn’t covered. Checking or leaving blank any item above does not indicate that you are adequately insured or under-insured. Using this checklist does not create a client, agency, or fiduciary relationship. Always consult a licensed professional about your specific situation.