Gym & Academy Insurance, built for the floor.
Most gym policies cover everything except the claims that actually happen — injured athletes, apparatus damage, and the abuse coverage your sanctioning body requires. We write participant liability, participant accident, abuse & molestation, and apparatus coverage for gymnastics schools, cheer gyms, and tumbling academies.
320+
Gyms, academies & cheer programs insured nationwide
NPN #8608479
Licensed all 50 states
- Licensed in all 50 states
- Founded 2005 — 20+ years
- Youth-sports specialists
- USAG / AAU / USA Cheer savvy
- 15-minute quote turnaround
- 2-hour claims response
Eight lines of coverage, built specifically for gymnastics schools & cheer gyms.
A generalist policy leaves participant injuries, apparatus, and abuse-coverage gaps wide open. We build gym programs that close them.
Not sure what you need? Get a coverage review →
The coverage gaps that cost gymnastics gyms the most.
Most agents hand a gym a generic business policy and call it done. Then an athlete is injured and there's no participant accident coverage — or an abuse allegation surfaces on an excluded policy. We underwrite the parts of your program everyone else leaves out.
Run by people who know youth sports
Contractors Choice Agency has insured sports and youth organizations since 2005. We know what a set of competitive bars costs to replace — and exactly what your sanctioning body and meet host will ask for.
Participant accident — the line most gyms miss
General liability covers your gym's legal liability, but it does not pay an injured athlete's medical bills. Participant accident / excess medical does — and it's what USAG, AAU, and most competitions require.
Abuse & molestation coverage done right
Required by most sanctioning bodies, landlords, and facility-use agreements — and excluded by default on most policies. For any gym serving minors, this coverage is effectively mandatory. We write it correctly.
Apparatus valued like apparatus
Uneven bars, balance beams, vault tables, spring floors, and foam pits represent real capital. Generic property coverage under-values them. We schedule gymnastics apparatus at proper replacement value.
USAG, AAU & USA Cheer fluent
Sanctioning bodies set specific insurance requirements — limits, additional insureds, participant accident minimums. We know what your meet host and sanctioning body will ask for, and we get certificates out fast.
Workers' comp for coaches and staff
Spotting injuries, repetitive strain, and gym-floor slips are real exposures for your coaches and instructors. We write workers' comp with class codes that reflect how a gym actually operates.
Special events covered
Hosted meets, birthday parties, open gym, lock-ins, and camps extend beyond your daily classes — and beyond a basic policy's scope. We add the special-events coverage those activities require.
From quote request to bound policy in about a day.
No back-and-forth for two weeks. A real conversation, real markets, and a program you can actually understand — built around your gym.
Tell us about your gym
A 15-minute call or quote form. We learn your enrollment, number of athletes and staff, the apparatus and building you operate, and the meets, parties, and camps you run.
We shop A-rated sports & specialty markets
Generalist agents have one or two carriers and rarely know gymnastics. We have markets that actually write youth-sports facilities — including participant accident and abuse & molestation coverage.
Bind a program built for a gym
General liability + participant accident + workers' comp + abuse & molestation + apparatus + special events, coordinated so there are no gaps when an athlete, spectator, or staff claim hits.
Claims support that answers fast
When a loss happens — an injured athlete, a spectator slip, a damaged apparatus — you reach a person, not a queue. 2-hour claims response, every time.
Or call 844-967-5247 — usually answered live.
Built for gyms. Licensed in all 50.
Gymnastics, cheer, and tumbling insurance isn't tied to one region — and neither are we. We insure academies and programs across the country, with specialists who know USAG, AAU, and USA Cheer requirements wherever your gym is.
- Nationwide coverage — Licensed in all 50 states — we insure gyms, academies, and cheer programs coast to coast
- Texas & the Southwest — Large competitive programs, USAG and AAU meet hosts, recreation academies
- California & the West Coast — NorCal/SoCal competitive and college-feeder gyms, cheer programs
- The Southeast — Fast-growing cheer and tumbling markets, recreational and competitive
- The Midwest — Established gymnastics communities, academy and park-district programs
- The Northeast — Dense competitive programs, elite-track academies, and recreation gyms
We insure gyms nationwide.
From recreation academies to elite competitive programs.
0+
Gyms, academies & cheer programs insured
0+
Years insuring sports & youth organizations
0 min
Average quote turnaround
0
States licensed & writing
Contractors who stopped fighting their insurance company.
“Our old policy was just a generic GL that said nothing about athletes. CCA built a real gymnastics program — participant accident for our team kids, abuse and molestation our landlord required, and apparatus coverage that actually valued our bars and spring floor.”
Rachel D.
Owner, competitive gymnastics academy · Texas
“When a cheer athlete got hurt at a competition, the participant accident coverage paid the medical bills without a liability fight. That no-fault response kept a tough situation from becoming a lawsuit. Worth every penny.”
Marcus B.
Program director, cheer gym · California
“Josh's team understood what our meet host required for sanctioning — certificates, additional insureds, the limits — and turned it around in a day. We've moved all three of our gyms' coverage to them.”
Priya S.
Operations manager, multi-location gym · Florida
Gymnastics insurance, in plain English.
A complete gymnastics program pairs general liability (participant and spectator bodily injury, property damage) with participant accident / excess medical (no-fault medical for injured athletes), workers' compensation for coaches and staff, abuse & molestation coverage, property & equipment for your apparatus and building, special-events coverage for meets and parties, and umbrella for catastrophic limits. The two lines gyms most often miss are participant accident and abuse & molestation — and both are frequently required.
It's the most important distinction in gym insurance. General liability pays when your gym is legally liable for an injury — for example, a spectator slip. It does not pay an injured athlete's medical bills just because they were hurt during class. Participant accident (excess medical) pays injured athletes' medical costs on a no-fault basis, which is exactly why USAG, AAU, and most competitions require it — it keeps a tough injury from becoming a lawsuit.
For any gym serving minors, effectively yes. Most sanctioning bodies (USAG, AAU), landlords, and facility-use agreements require it, and it's excluded by default on most standard liability policies. A single uncovered allegation can be devastating. We add abuse & molestation coverage as part of the standard gymnastics program we write.
It depends on your enrollment, number of athletes and staff, the value of your apparatus and building, whether you host competitions and parties, your claims history, and your state. A small recreation program costs less than a large competitive academy that hosts sanctioned meets. Because we shop multiple specialty markets, we'll show you real quotes in about 15 minutes — call 844-967-5247.
If you have W-2 employees, workers' comp is legally required in nearly every state — and your coaches and instructors face real exposures: spotting injuries, repetitive strain, and slips on a busy gym floor. Even if you use independent-contractor coaches, many states and clients require you to carry coverage or collect certificates from them. We structure it correctly either way.
Yes. Contractors Choice Agency is licensed in all 50 states (NPN #8608479), so we can insure your gymnastics school, cheer gym, or tumbling academy anywhere — and follow you if you open a second location. One agent, one program, nationwide.
Get the gym coverage your current policy is missing.
Whether you need participant accident coverage today or a full gym program shopped across A-rated sports markets, one call gets you real quotes — not a voicemail and a two-week wait.
No obligation. No spam. Licensed all 50 states.