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| GENERAL LIABILITY AND MEDICAL EXPENSE PREMIUMS |
| Age Group |
Rate Per Participant and Staff Member For Gymnastics and Cheer |
| 13 and over |
$48.00 |
| 7 and 12 |
$28.00 |
| 5 and 6 |
$22.50 |
| 4 and Under |
$12.00 |
* $1000 Minimum Premium Applies
** Rates available 04-01-2009 to 03-31-2010
Florida applicants must add 1% to the total premium for the Florida Hurricane Catastrophe Fund assessment Fee
*** Notice to Agents & Brokers – Agents & Brokers do not have binding authority and there are no commissions included in this program.
Optional Coverages
Abuse & Molestation: $500 per location
Martial Arts Participants: $20.00 per participant
Camps/clinics: $5.00 per participant
Other Activities Participants: $14.50 per participant
Birthdays/Social Parties: $29.50 per Party
Refer to brochure for additional activities which may be eligible for coverage. |
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| OPTIONAL EQUIPMENT & CONTENTS PREMIUM |
| Total Value per Location |
Rate |
Deductible (per claim) |
Minimum Premium |
| $1 - $10,000 |
$.03 |
$250 |
$100.00 |
| $10,001 - $100,000 |
$.026 |
$1,000 |
$100.00 |
| $100,001 + |
$.026 |
$2,500 |
$100.00 |
Florida applicants must add 1% to the total premium for the Florida Hurricane Catastrophe Fund Assessment Fee
* Coverage unavailable in NJ |
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ELIGIBLE PROGRAMS
This list does not encompass all events that may be included in each category. This is only a summary. If you do not meet the criteria, please contact us.
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Artistic Gymnastics |
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Cheerleading |
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Competitive Gymnastics |
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Dance Teams |
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Group Gymnastics |
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Mobile Gymnastics Programs |
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Mommy & Me / M And My Pal / Parent-Tot |
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Motor Skills Development Programs |
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Pre-School Gymnastics |
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Recreational Gymnastics |
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Rhythmic Gymnastics |
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Special Needs Programs |
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Sports Acrobatics |
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Trampolines |
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Tumble Busses |
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Tumbling |
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| GENERAL LIABILITY LIMITS |
General Aggregate $2,000,000 per location
Per Occurrence $1,000,000*
Personal/Advertising Injury $1,000,000
Products/Completed Operations Aggregate $1,000,000
Legal Liability To Participants: $1,000,000
Professional Liability: $1,000,000
Damage To Premises Rented: $300,000
Premises Medical Expense (other than Participants) Coverage: $5,000**
Non-Owned and Hired Auto Liability (not in HI): $1,000,000
* Optional $2,000,000 limit available
** This coverage does not apply to students |
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| MEDICAL PAYMENTS LIMITS |
Maximum Limit: $150,000
Per Claim Deductible: $250*
* Deductible may be reduced by payments made by other insurance. |
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INELIGIBLE OPERATIONS
Certain event types are not eligible for coverage by this program. The ineligible event types include, but are not limited to the following: |
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Amusement Devices (including inflatable and mechanical) |
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Circus Skill Training |
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Events sanctioned by USA Gymnastics |
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Climbing walls – exceeding (10) feet in height with no safety harness system (unless reviewed and approved by the underwriters) |
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Transportation of participants / members |
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| RISK MANAGEMENT |
| Click here for a Free Report on How To Protect Yourself Against Devastating Injuries And Lawsuits In Your Gymnastics/Cheer Program! |
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| CARRIER |
| Coverage is provided by a carrier rated A+ (superior) by AM Best. |
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