Participant Accident / Excess Medical for gymnastics schools & cheer gyms
The line most gyms are missing — and the one competitions require. Participant accident pays injured athletes' medical bills on a no-fault basis, keeping a tough injury from becoming a lawsuit and letting your athletes take the floor at sanctioned events.
What it covers
- Medical bills for injured athletes on a no-fault basis
- Excess medical over a family's primary health insurance
- Accidental death and dismemberment benefits
- Dental injury from accidents
- Coverage during classes, practices, competitions, and exhibitions
- Limits and structures that meet USAG, AAU, and competition requirements
Who it's for
- Competitive teams that travel to sanctioned meets
- Recreation programs with high enrollment
- Cheer and tumbling programs with stunt exposure
- Any gym whose sanctioning body or meet host requires it
Why CCA
- We know the minimum limits USAG, AAU, and meet hosts require
- No-fault response that prevents injuries from becoming lawsuits
- Coordinated with your general liability program
Common questions about participant accident / excess medical
Because it pays injured athletes' medical bills without a liability fight. When an athlete is hurt at a meet, participant accident coverage responds immediately for their medical costs — which keeps the situation from escalating into a lawsuit against the host gym, the venue, or you. Most sanctioning bodies and meet hosts set minimum limits as a condition of participation.
No. Participant accident (often called excess medical) typically pays on top of an athlete's family health insurance — covering deductibles, co-pays, and treatment up to the policy limit, and paying first if the family has no coverage. It's sports-accident specific and designed for exactly the injuries that happen in a gym.
Pair it with related coverage
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