Student Athlete Insurance

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You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.

Student Athlete Insurance

NIL (name, image, and likeness) in the NCAA means that student athletes can earn compensation and become high-net-worth individuals from their likeness. Thus, they could be a target for lawsuits and thus should protect themselves through student athlete insurance.

As an insurance producer, you can expand your book of business by partnering with Prime Insurance Company to offer student athlete insurance to your clients who are in need of specialty liability insurance. We are a leading excess and surplus lines insurance company, that has been providing customized insurance policies to businesses and individuals for over 40 years. Read on to learn more, or get started by requesting an insurance quote today!

Nature of Business
(who we can help)

We can help insurance producers (agents and brokers) that are looking to write more business for their clients, including:

  • High School Student Athletes
  • NCAA Student Athletes
  • Families of Student Athletes
  • And More!

Coverage Options

  • School Discipline
    • Retaliation Against Complaints
    • Acts and Allegations of Sexual Abuse, Harassment, Assault, Exploitation
    • Pregnancy, Miscarriage, Childbirth
    • Acts and Allegations of Hazing
    • Constitutional Rights of Student Athletes
    • Concussion Management & Return-To-Play Protocols
    • Self-Defense
    • Injury to Others During Athletic or Sporting Events
    • Social Media
    • Acts of Discrimination Based on Race, Religion, Age, Gender, Sexual Preference, National Origin, Physical Handicap – Title IX Issues
  • Pursuit of Civil Damages relating to School Discipline
  • Income Interruption resulting from School Discipline
  • Civil Liability Self Defense
  • Criminal Self Defense
    • Bail Bonds
  • Social Media Liability
  • Liability for Sporting Injuries
  • And More


What is Student Athlete Insurance?

Student athlete insurance from Prime Insurance Company offers customized coverage to student athletes in high school and in college. It will give the athletes and their families peace of mind through our personal liability and TRU Umbrella policy that is tailored to their specific needs.

What Insurance Coverage is Available Through Student Athlete Insurance?

We listed a variety of coverages above but in addition to those listed, we can provide an insurance plan to cover your client’s work, home, and play areas of exposure. Our TRU Umbrella policies provide excess coverage for other scheduled primary insurance including auto, home, ATVs,  boats, pets, and more. Some coverages may require an additional quote and/or premium.

Scenarios That Might Be Covered Under Prime's Student Athlete Insurance

All the coverages should be designed for 3rd parties, with the exception of the coverage for hazing.

  • Self-defense insurance
  • Social media issues and school authority to sanction student athletes – We want to be able to defend student athletes who are faced with sanctions over social media postings that the school deems inappropriate or against the athletic code of conduct.
  • Alleged sexual harassment, sexual abuse, or molestation
  • Retaliation against complainants – If a student/coach/parent voices concern over an alleged Title IX issue, this would protect the person from retaliation for bringing that concern to the attention of the school. An example would be if an athlete was kicked off the team after voicing a concern.
  • Title IX and gender equity – Title IX of the Education Amendments Act of 1972 is a federal law that states: “No person in the United States shall, on the basis of sex, be excluded from participation in, be denied the benefits of, or be subjected to discrimination under any education program or activity receiving Federal financial assistance.” Sexual harassment is covered under Title IX, as is sex-based discrimination in STEM courses. Another example is discrimination based on pregnancy.
  • Transgender policies – Inclusion of transgender athletes in school sports, including that student’s right to privacy, safety, and dignity. This would also be a violation of Title IX if a transgender student were not allowed to participate in a sport.
  • Pregnancy – An example would be that student athletes can’t be penalized because of pregnancy, termination of pregnancy, childbirth, or related conditions. These students must be afforded the same treatment as any other student with a temporary disability.
  • Hazing – To help if the person is being hazed.
  • Constitutional rights of student athletes – A student athlete suspended for inappropriate criticism of a coach, or a suspension for attendance at a party where alcohol is served, suspension for failing a drug test, suspension for misbehavior, and a suspension alleged to be more severe than that given to other students for the same offense are some examples that can violate constitutional rights.
  • Liability for sports injuries
  • Concussion management & return to play protocols – All 50 states and the District of Columbia now have a sports concussion law in place. Most of the state laws contain three common tenets: 1) any athlete suspected of having sustained a concussion must immediately be removed from play; 2) the athlete may not be returned to action the same day; and 3) the athlete may be returned to action only after written clearance is provided by a licensed health-care professional (the definition of which varies widely from state-to-state).
  • Income Interruption

Limits of Insurance

You can select your desired limits of insurance:

$50,000 per occurrence / $100,000 aggregate
$75,000 per occurrence / $200,000 aggregate
$100,000 per occurrence / $300,000 aggregate
$250,000 per occurrence / $500,000 aggregate
$500,000 per occurrence / $1,000,000 aggregate

Self-Insured Retention (SIR):


Insurance Providers for Student Athletes

Looking for the best insurance provider for student athletes? Prime Insurance Company should be at the top of your list. Our partnership approach requires that we speak with the insurance producer and the insured so we can better understand everyone’s needs in order to provide the right coverage, the right service, and most importantly, a long-lasting, healthy relationship.

A lot of people go with cheaper markets that will cost them and their insured more in the long run! Over the past years, many of the cheaper markets have run into trouble, gone broke, or stopped writing. As a result, Prime is writing more business and we remain committed to doing it right! Insureds need a more efficient insurance company and a better partner that’s willing to fight frivolous lawsuits practiced by legal professionals nationwide.

In short, Prime won’t compete with your other markets from a premium standpoint, but we will help you write the business you are turning away today. Plus, we’ll be by your side when a claim or lawsuit is filed against you. We are a true insurance partner!

Get a Student Athlete Insurance Quote

Please note that we do not accept submissions more than 30 days from expiration. When needed, we can provide same-day quotes and proof of coverage, you just need to complete the Insured Underwriting Call and pay the premium to get it done! To finalize pricing we require a phone call with the owner/applicant. Get started with your student athlete insurance quote today by clicking the “Get a Quote!” button above.


  • Expand your book of business by offering Prime Insurance Company’s student athlete insurance to your clients needing specialty liability insurance.
  • Our student-athlete liability insurance can protect your clients if a claim, lawsuit, incident, or accident occurs.
  • Student athletes face many unique risks because they may be considered a high-net-worth individual and thus more likely to be a target for lawsuits. Student athlete insurance from Prime Insurance Company can help protect your clients against these risks.
  • We offer a variety of insurance coverage options for student athletes including coverage for alleged sexual harassment or sexual abuse, pregnancy, hazing, social media issues, concussion management, income interruption, and more.


Why Choose Prime As Your Insurance Partner?

There are many reasons why you should choose Prime as your insurance partner but here are some highlights: 

Partnership Approach

At Prime, we build trusted relationships and want all parties to be involved. We arrange a phone call with every potential insured to provide fast, flexible underwriting for every client. From our underwriters to our legal team, the insured, and the producers — at Prime, everyone is considered a partner and our processes are designed for the mutual benefit of all parties involved.

“A” Rated Carrier With 40+ Years of Experience

The strength and stability of Prime have led us to over 40 years of experience in the insurance industry. Student-athlete insurance is our expertise!

In-House Teams

We have it all under one roof – underwriting, legal, risk management, policy services, etc. You will have direct access to our staff and services, ready to assist you! We even have an in-house claims hotline if an incident or claim occurs, available 24/7. Prime can write up to $10 million in-house.

Extraordinary Claims Results

We pride ourselves on our ability to handle claims in-house and effectively. Prime’s team of attorneys and adjusters are here to assist you every step of the way. Unlike most insurance companies, Prime fights frivolous lawsuits. We will be by your side every step of the way!

Experts with NIL and Customized Insurance Policies

Prime can help your clients even if they’ve been canceled or denied insurance in the past or have a claims history. We can insure student athletes all across the country! Whether your client needs a brand new policy or if they have gaps and exclusions in their current policy, we can write a customized insurance policy to fit their needs. 

Prime has over 40 years of experience, making us one of the best insurance companies for student athlete insurance. Many insurance companies are turning away individuals and businesses that are deemed too risky, or, they could be leaving gaps/exclusions in policies that leave the policyholder exposed. Prime takes a more hands-on approach to learn about you, your client, and their needs so we can write a policy that ensures maximum protection.

About Us

Prime Insurance Company is an excess and surplus (E&S) lines insurance company, specializing in property and casualty insurance for non-standard, specialty risks. Prime currently produces in excess of $400 million gross premiums annually. The company writes E&S business in all 50 states and has an “A” (Excellent) rating by A.M. Best*. Prime has also earned a Financial Stability Rating® of A” (A Double Prime), Unsurpassed, from Demotech, Inc.**

Prime delivers coordinated services by integrating expert underwriting, policyholder services, policy accounting, premium financing, risk management, state tax payments, claims administration, and self-insured support program services all under one roof.

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**The most current Financial Stability Rating® must be verified by visiting

Ready to Apply?

You may submit an application online by clicking the “GET A QUOTE” button, or download and fill out the application and supplemental documentation. If you download the application you may either submit them via email, fax or postal mail.