Cheerleading is a highly competitive sport that involves athletic stunts, tumbling, and dance routines. While it captivates audiences with high-energy performances, it also comes with significant risk of injury. Cheerleaders often perform on firm surfaces without protective gear, increasing the chance of accidents.
What is Cheerleading - General Liability Insurance?
Cheerleading-General Liability Insurance is essential coverage for gyms, coaches, teams, and league organizers. It helps protect against claims related to bodily injury, property damage, and other liabilities that may occur during cheerleading activities or on the premises of your facility.
What Does It Typically Cover?
This type of insurance generally includes protection for:
- Property damage caused by your employees or operations
- Claims alleging financial loss due to property damage
- Medical costs if someone is injured on-site and needs treatment
- Damage to rented premises due to fire, lightning, or vandalism
- Allegations of child abuse or molestation involving staff or volunteers
- Bodily injury and property damage claims involving coaches, organizers, and team owners
- Accidents involving your drivers, cheerleaders, or business vehicles
Additional Protections
Cheerleading-General Liability Insurance also helps safeguard your business from unexpected events:
- Theft of money, securities, or property by an employee
- Loss of business income if your gym closes temporarily due to covered events like fire or vandalism
- Travel-related incidents while attending games and competitions
Protects cheerleading coaches, league organizers, and team owners from financial vulnerability.
Why This Coverage Matters
Cheerleading-General Liability Insurance is crucial for cheer gyms and organizations. It protects you if you’re sued for causing physical injury or property damage during your operations. Without this coverage, your business could face significant financial exposure.
Property and Business Income Protection
If your gym is temporarily closed due to a covered loss—like a fire or windstorm—business income insurance helps cover lost profits. If you own your building, property insurance protects both the structure and its contents. If you rent, you’ll still need insurance to cover valuable equipment.
Do You Have the Right Protection?
As a coach or gym owner, you're helping athletes build performance skills. But if something goes wrong, having general liability coverage can keep your business from facing financial setbacks.
Cheerleading continues to grow in popularity, but with that growth comes increased risk. Make sure you have the insurance protection you need.
Contact a local insurance professional that has experience with this category of risk.
Frequently Asked Questions
Who needs Cheerleading-General Liability Insurance?
Any business or individual involved in cheerleading activities—such as gym owners, coaches, league organizers, and event hosts—should consider this coverage.
Does this insurance cover injuries during practice and events?
Yes, general liability insurance typically covers injuries that occur during cheerleading practices, performances, or competitions.
Is property insurance included in general liability coverage?
No, property insurance is separate but often recommended. It protects your building and equipment from damages caused by fire, theft, or vandalism.
Does this policy include coverage for travel to competitions?
Many general liability policies can include travel coverage, but you should verify the terms with your insurance provider.
What if someone accuses a coach of misconduct?
Some policies include coverage for allegations of abuse or misconduct, but this varies. It's important to ensure your policy specifically includes this protection.
Still have questions? Talk to a local insurance expert.