Insurance Built for Sports Equipment Manufacturers
Manufacturing sports and fitness equipment—whether helmets, baseball bats, gym machines, or protective pads—comes with a unique set of risks. Injuries from product defects, facility hazards, or overseas shipping delays can lead to costly lawsuits or operational setbacks.
Sports Equipment Manufacturing Insurance offers a tailored solution for businesses that design, test, and produce athletic gear. Whether you supply local school districts or global brands, having the right protection in place helps you stay competitive and legally protected.
Key Insurance Coverages for Sports Equipment Makers
Our policies are designed specifically for manufacturers in the athletic goods sector:
General Liability Insurance – Protects you if a third party is injured due to your manufacturing operations or on-site visits
Product Liability Insurance – Covers injury claims arising from defective sports gear like helmets, pads, or weight machines
Commercial Property Insurance – Secures your manufacturing space, equipment, inventory, and design prototypes
Equipment Breakdown Insurance – Covers losses from machinery failures during fabrication or moulding
Workers’ Compensation Insurance – Legally required in California; protects employees injured on the assembly line or during product testing
Business Owner’s Policy (BOP) – Bundles multiple coverages into a cost-effective package for small to mid-sized sports manufacturers
Risks in Sports Gear Manufacturing
Whether you’re producing high-impact protective wear or consumer fitness gear, you’re liable for how your products perform in real-life conditions. Poor design, faulty materials, or overlooked testing can lead to serious injury claims, especially in youth or professional sports.
Common Industry Risks:
Faulty padding or breakage causing athlete injury
Overheated or malfunctioning exercise equipment
Injuries during product testing or in demonstration showrooms
Material shortages or supplier issues delaying orders
Damage to equipment during transport or installation
In a state like California, where consumer protection and athletic safety are heavily regulated, having the right sports equipment manufacturing insurance isn’t just smart—it’s essential.
Learn more about your options under our California Manufacturer Insurance programs.
Frequently Asked Questions
Q: Does this policy cover children’s sports gear and protective items?
A: Yes. Whether you manufacture gear for children, amateur athletes, or pros, Product Liability Insurance is crucial for injury-related claims.
Q: What if a customer sues us after being injured using our equipment?
A: General Liability and Product Liability cover bodily injury, medical costs, and legal fees arising from defective or unsafe products.
Q: Are custom orders and prototypes covered under property insurance?
A: Absolutely. Commercial Property Insurance includes raw materials, prototypes, and completed stock stored on your premises.
Q: Can I bundle coverages to reduce costs?
A: Yes. A Business Owner’s Policy (BOP) allows you to combine essential policies at a reduced premium.
POLICIES
POLICIES
DISCOUNTS
DISCOUNTS
CLAIM
CLAIM
Still Have Questions?
Whether you’re expanding your floor space or integrating new robotic automation, let’s make sure your insurance grows with your operation. Our team works closely with manufacturers across California to deliver scalable coverage that protects your shop now—and into the future.