Coverage lines

Insurance built line-by-line for gymnastics schools & cheer gyms.

Each policy below addresses a specific exposure on the gym floor — from the participant injuries your GL doesn't pay to the abuse coverage your sanctioning body requires.

General Liability

The foundation for every gym. Covers bodily injury to athletes, students, and spectators and property damage — slip-and-fall claims, a spectator hit by a stray ball, or damage to your landlord's building.

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Often required

Participant Accident / Excess Medical

The line most gyms miss. Pays injured athletes' medical bills on a no-fault basis — the coverage USAG, AAU, and many competitions require before your athletes can take the floor.

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Workers' Compensation

Coverage for the coaches, instructors, and front-desk staff who make your gym run — spotting injuries, repetitive-strain claims, and the slips and falls that happen on a busy gym floor.

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Abuse & Molestation Coverage

Required by most sanctioning bodies, landlords, and facility-use agreements — and excluded by default on most policies. Critical protection for any gym that serves minors.

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Property & Equipment

Protect your gymnastics apparatus — uneven bars, balance beams, vault tables, spring floors, foam pits, mats — plus the building, office equipment, and inventory. Valued for what a gym actually owns.

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Special Events & Competitions

Coverage for the events that extend beyond daily classes — hosted competitions and meets, birthday parties, open gym, parents'-night-out, lock-ins, and seasonal camps.

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Commercial Auto

Coverage for the vans and vehicles that move your athletes, coaches, and equipment to competitions, exhibitions, and off-site events — and for employees running gym errands.

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Umbrella / Excess Liability

Layered limits above your general liability and auto — the cushion that protects your gym when a catastrophic injury or large-loss claim would otherwise exhaust your primary coverage.

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Not sure which lines you need?

Most gyms bundle general liability, participant accident, workers' comp, abuse & molestation, and apparatus into one coordinated program. We'll build the right mix in one call.

Get a free quote844-967-5247