Insurance for Youth Cheerleading

• General liability insurance—This may provide coverage if your organization is responsible for third-party property damage or bodily injury. It can financially assist them for their losses (e.g., property repair or replacement costs or medical bills) and pay for associated legal expenses (e.g., attorney fees, settlements and judgments). General liability insurance may also cover personal and advertising injuries (e.g., copyright infringement). Policies vary with regard to coverage of participants’ lawsuits after sustaining an injury, staff’s inappropriate conduct and damage to rented premises, and your insurance agent can provide more information on specifics.   
• Accident insurance—This may pay for medical expenses for injured participants, regardless of fault. It is generally a type of secondary insurance; it provides payment after the individual’s primary policy coverage limit is reached. Insurance for catastrophic accidents may also be available.
• Property insurance—This may provide repair or replacement costs if your organization’s property (e.g., equipment) is damaged or destroyed by a covered event (e.g., fire, theft or vandalism).
• Cyber liability insurance—This may help pay for losses and recovery costs after data breaches, cyberattacks, data loss or other cyber security incidents. 
• Directors and officers (D&O) liability insurance—This may provide coverage if the directors and officers of the youth cheerleading entity are sued for the actions they took while leading the organization. It may insure against personal losses and help pay for legal expenses.
• Crime insurance—This may provide financial safeguards against dishonest acts or business crimes (e.g., fraud, embezzlement).
• Commercial auto insurance—This may cover your organization’s owned vehicles if they are in an accident or sustain damage.  

• The number and age of participants
• Your program’s size, location, history of claims, and risk management strategies
• Your selected coverages and limits 

Other variables could also affect costs. Reach out to us today for a quote. 

Get Insurance for Your Youth Cheerleading Organization. 
The professionals at Bene-Marc can help your organization secure the insurance that best fits your needs. Give us a call today at 800-247-1734 for more information. 

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.