Coverage Options
Cheer & Gymnastics Gym Insurance
Every policy a cheerleading or gymnastics gym needs — in one place, from specialists who understand the sport.
General Liability Insurance
General liability is the core policy for any cheer or gymnastics gym. It protects against third-party claims of injury or property damage — a parent slipping in the lobby, a spectator struck during an event, damage to a leased building.
Participant Accident Insurance
Participant accident insurance pays medical expenses when an enrolled athlete is injured during practice, tumbling, stunting, or competition — the exposure general liability typically excludes.
Abuse & Molestation Liability Insurance
Abuse & molestation (A&M) liability covers claims alleging abuse, molestation, or negligent supervision, hiring, or retention. Standard general liability policies almost always exclude it — making this coverage essential for gyms working with children.
Professional Liability (Coaches) Insurance
Professional liability protects your gym and its coaches against claims that instruction, training progression, or coaching decisions led to injury — a distinct exposure from general slip-and-fall liability.
Commercial Property Insurance
Commercial property insurance covers the physical assets of your gym — the building or tenant improvements, spring floors, office contents, and inventory — against fire, theft, vandalism, water damage, and storms.
Equipment Coverage Insurance
Equipment coverage (inland marine) protects the movable gear that makes your gym run — mats, apparatus, tumbling tracks, sound systems, and competition equipment — wherever it is, including in transit to events.
Workers Compensation Insurance
Workers compensation is required in nearly every state once you have employees. It pays medical expenses and lost wages when a coach, instructor, or front-desk staff member is injured while working.
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