Coverage line
Umbrella / Excess Liability for gymnastics schools & cheer gyms
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.
What it covers
- Additional limits above your general liability and commercial auto
- Limits from $1M up to $10M+
- Protection for catastrophic-injury claims
- Coverage that follows the underlying policy form
- Defense contributions on large, complex claims
- Limits sized for venues and sanctioning requirements
Who it's for
- Competitive programs hosting large meets
- Gyms whose primary limits don't match their exposure
- Operators with significant assets or multiple locations
- Programs whose venues or franchisors require higher limits
Why CCA
- Limits layered cleanly above your underlying program
- Sized for the catastrophic-injury reality of youth sports
- Priced for athletic facilities, not generic small business
Umbrella / Excess Liability — FAQ
Common questions about umbrella / excess liability
It's driven by your largest realistic loss and by what your venues and sanctioning bodies require. Gymnastics carries real catastrophic-injury exposure, and a single severe claim can exhaust a $1M primary limit quickly. We model a severe scenario for your operation and layer umbrella limits so a catastrophic event doesn't wipe out your primary coverage and threaten your gym. Many meet venues now require $2M–$5M or more.
Pair it with related coverage
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