Protect your NIL earnings,
today and tomorrow

Catastrophic injuries can change everything. We help athletes, families, schools, and collectives reduce the financial risk with smart, tailored coverage.

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Licensed in all 50 U.S. states • 50+ years in finance and insurance • Deep experience in college and pro sports • Policies designed for real NIL scenarios

WHO WE HELP

Protection Built For Your Brand

From individual athletes to full programs, we align coverage for how you earn and compete—so your brand and future income are protected. We’re sport-agnostic and gender-inclusive; if you have NIL or endorsement income, you’re a prospective client.

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NIL Insurance Company Athletes and parents coverage
Athletes & Parents

Guard against career-ending injuries and loss of income.

NIL Insurance Company Collectives DD&D coverage
Collectives (DD&D)

Protect commitments, investments and reputation with coverage aligned to NIL agreements.

NIL Insurance Company High Schools coverage
High Schools

Add real value for recruits and families.

NIL Insurance Company colleges and universities coverage
Colleges & Universities

Manage NIL investment risk with Group Critical Injury policies that compensate for the loss of top athletes to injury.

COVERAGE AT A GLANCE

Your NIL Coverage Menu

See the core policies we offer and when to use each one. Quick summaries, eligibility notes, and next steps in one place.

Permanent Total Disability / Loss of income
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Loss of Value /
Draft Protection
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Colleges
and Universities
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Collectives
(DD&D)
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High School Athletes
and Programs
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Single-event Protection for athletes and schools
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NIL Insurance Company How our coverage process works

How our NIL coverage process works

1. Determine future insurable income (NIL agreements + outside income/endorsements).

2. Provide documentation for verification. 

3. Provide medical records from family physician or orthopedic specialist.

4. Submit applications to established network of carriers. 

5. Underwriters review.

6. Receive a quote on different elements to insure.

7. Issue the policy.

8. Play your season without worry or concern about injury.

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Our advantage

Why NIL Insurance Company

  • NIL is a new and expanding frontier in college sports. Participating schools have $20.5 million to compensate athletes, and that number is expected to grow to $33 million within the next decade.
  • Our team has Sports + finance expertise you can trust, from people who’ve worked on the field and in the markets.
  • Clear guidance, no jargon, what’s covered, what’s not, and what to expect.
  • A curated network of carriers to provide competitive pricing and coverage options.
  • Respect for your privacy, your timeline, and your goals.
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Licensed in all 50 U.S. states. Coverage subject to underwriting and availability.