Professional Liability Insurance (PLI) protects Athletic Trainers from claims related to alleged errors, omissions, negligence, or professional services provided during the course of patient care.
Because Athletic Trainers often work independently across multiple organizations, schools, tournaments, and events, maintaining your own Professional Liability Insurance policy is an important part of protecting both your professional and financial well-being.
Go4 requires all Athletic Trainers working through the platform to maintain active Professional Liability Insurance coverage.
Why Go4 Requires PLI
PLI is one of the three core credentials Go4 verifies for every Athletic Trainer on the platform, alongside your BOC certification and state license (where required).
Why Do Athletic Trainers Need Their Own PLI?
Many Athletic Trainers assume they are covered under their employer's insurance policy.
Unfortunately, this is often not the case for per diem work, volunteer coverage, moonlighting, or services performed outside of your primary employment setting.
Having your own individual policy helps ensure you remain protected regardless of:
- Where you work
- Who you work for
- Whether you are working per diem or full-time
- Whether you are volunteering coverage
Your Employer's Insurance May Not Follow You
Employer-sponsored insurance often only applies while performing duties for that employer and may not extend to outside work opportunities or per diem coverage.
Why Players Health?
Go4 partners with Players Health to offer Athletic Trainers a Professional Liability + General Liability policy specifically designed for Athletic Trainers.
Unlike many policies that only provide professional liability coverage, the Players Health policy combines both Professional Liability and General Liability coverage into a single policy.
Additional benefits include:
- Coverage while working per diem
- Coverage while working full-time
- Coverage while volunteering
- Coverage that follows you across employers and organizations
- Legal representation for covered incidents
- Licensing board reimbursement
- Deposition expense coverage
- Property damage coverage
- Occurrence-based coverage
The policy was developed in collaboration with Athletic Trainers and is backed by Players Health, a leader in sports insurance solutions.
Important for New York Athletic Trainers
At this time, PLI policies through Players Health are no longer available for Athletic Trainers practicing in the state of New York.
Athletic Trainers located in New York who need to obtain or renew Professional Liability Insurance will need to secure coverage through an alternative insurance provider that meets Go4's credential requirements.
Existing policyholders with questions regarding renewals, coverage eligibility, or policy status should contact Players Health Support directly for additional guidance.
Coverage Highlights
The Players Health policy includes:
- Professional Liability: $1M per occurrence / $3M aggregate
- General Liability: $1M per occurrence / $3M aggregate
- Products Completed Operations: $1M
- Licensing Board Reimbursement
- Legal Representation
- Deposition Expense Coverage
- Medical Payments Coverage
- Property Damage Coverage
- Occurrence-Based Policy Form
- Portable Coverage Across Employers and Settings
One Policy. More Protection.
Many Athletic Trainers purchase separate Professional Liability and General Liability policies elsewhere. Players Health combines both coverages into a single policy.
How to Purchase PLI Through the Go4 App
To purchase coverage through Players Health:
- Open the Go4 app.
- Open the menu in the upper left corner.
- Select Purchase PLI.
- Select Begin Application.
- Complete the application process.
- Review and purchase your policy.
Once purchased, your coverage information can be uploaded directly to your Go4 profile for verification.
Questions About Your Policy?
While Go4 partners with Players Health to make coverage easily accessible to Athletic Trainers, all insurance policies are sold, underwritten, and administered by Players Health.
Questions regarding:
- Coverage details
- Claims
- Renewals
- Billing
- Policy documents
should be directed to go4questions@playershealth.com.
Important Note: Go4 does not sell, negotiate, or administer insurance policies. Players Health serves as the broker and administrator for policies purchased through this program.
FAQs
Why does Go4 require Professional Liability Insurance?
Professional Liability Insurance protects Athletic Trainers against claims arising from their professional services and helps protect both their professional and financial well-being.
Can I use my employer's insurance policy?
No. Employer-provided coverage often only applies while performing duties for that employer and may not extend to per diem work, volunteer events, or outside employment opportunities.
Is Players Health the only PLI provider accepted by Go4?
No. Athletic Trainers may obtain Professional Liability Insurance through any provider as long as the policy meets Go4's coverage requirements.
What makes the Players Health policy different?
The Players Health policy combines Professional Liability and General Liability coverage into one policy and was designed specifically with Athletic Trainers in mind.
Does the Players Health policy cover per diem work?
Yes. The policy is designed to cover Athletic Trainers while working per diem opportunities, full-time employment, moonlighting, and volunteer activities.
Can New York Athletic Trainers purchase PLI through Players Health?
At this time, Professional Liability Insurance policies through Players Health are not available for Athletic Trainers practicing in New York.
New York Athletic Trainers will need to obtain coverage through another insurance provider that meets Go4's credential requirements.
What is an occurrence policy?
An occurrence policy covers incidents that occur during the active policy period, regardless of when the claim is ultimately filed.
How much coverage does the Players Health policy provide?
The policy includes up to:
-
$1 million per occurrence
-
$3 million aggregate coverage
along with several additional coverages and protections.
Who do I contact if I have questions about my policy?
Questions regarding your policy should be directed to go4questions@playershealth.com.
Can I purchase PLI directly through the Go4 app?
Yes. Athletic Trainers can begin the application process directly within the Go4 app.
What happens if my PLI expires?
Expired Professional Liability Insurance will prevent your account from remaining fully verified and may impact your ability to apply for or work shifts until updated coverage is provided.