Gymnastics Schools & Clubs Insurance

Personalized Quotes Result in Savings with Rock-solid Coverages to Protect against Devastating Catastrophic Injuries and Lawsuits!

Don’t Gamble with inferior programs in the high-risk world of gymnastics.  Because of the unique risks of gymnastics schools and clubs, Sadler now individually underwrites each application and offers specialized coverages and prices based on the organization’s specific needs.  Simply download the application and submit for review.

Beware of other programs that don’t cover Assault & Battery, Punitive Damages, Abuse & Molestation, and Non-owned-Hired Auto Liability as these coverages are essential for your protection. Read the fine print in competitor programs.

---

GENERAL LIABILITY LIMITS

General Aggregate $5,000,000 per owned location

Each 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 to You: $300,000

Medical Expense (other than Participants) Coverage: $5,000

Non-owned and Hired Auto Liability (not while in HI): $1,000,000

Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

*Higher Limits are Available

---

MEDICAL PAYMENTS LIMITS

Maximum Limit: $150,000

Per Claim Deductible: $250*

* Deductible may be reduced by payments made by other insurance.

---

ELIGIBLE OPERATIONS

Gymnastics schools/clubs providing any of the following operations are eligible for this program:

INELIGIBLE OPERATIONS

Operations not eligible for this program include, but are not limited to, the following:

• Circus skill training
• Trampoline parks/facilities
• Operations as a sport complex or multi-purpose facility, except for those sports and/or subsidiary activities you have reported, paid for, and that have been approved by us.

---

EXCLUSIONS

The following represent only some of the exclusions contained in this policy:

---

OPTIONAL COVERAGE

 EQUIPMENT  AND CONTENTS

This provides coverage for direct loss or damage to your supplies and equipment, furnishings, improvements and betterments, signs and non-structural glass due to theft, fire, vandalism or other covered causes (subject to actual policy terms and conditions). You must insure the full replacement cost of all of your equipment and contents to avoid a co-insurance penalty at the time of loss.

SEXUAL ABUSE OR SEXUAL MOLESTATION LIABILITY COVERAGE OR ABUSE, MOLESTATION, HARASSMENT OR SEXUAL CONDUCT DEFENSE COST REIMBURSEMENT

This program includes two options for coverage for claims arising out of sexual abuse or sexual molestation:

Option 1: $1,000,000 of liability coverage for sums the insured becomes legally obligated to pay as damages because of loss arising out of any actual or threatened sexual abuse or sexual molestation. This limit is part of, not in addition to, the general liability limit selected.

Option 2: $100,000 of coverage for reimbursement of defense costs only resulting from claims arising out of abuse, molestation, harassment or sexual conduct.

---

RISK MANAGEMENT

Gymnastics continues to be one of the most popular sports for girls, though many boys participate as well. A particularly unique aspect of the sport is that rigorous training often begins at a very young age, sometimes as young as 4 and 5 years old. Gymnastics consists of several events that each use a different apparatus. It’s a demanding sport that requires long hours of practice and complex physical movement, all of which increases the risk of injuries.

Gymnastics has one of the highest injury rates among girls’ sports, with almost 100,000 gymnasts injured each year. Hospital emergency rooms treat more than 25,000 injured gymnasts under age 15 annually. It’s critical that all gymnastic schools and coaches carry and are sufficiently covered by the gymnastics insurance policy that meets their unique needs.

Some of the more common injuries include tendon tears, dislocated shoulders and elbows, wrist ankle, and knee sprains, fractures and strains. The extreme bends and twists in many gymnastics movements can result in lower back injuries.

An injured athlete should be totally clear of symptoms before returning to gymnastics training. Joint injuries should be free of any swelling and pain and have normal strength and full range of motion. Athletes suffering concussions should be cleared by a medical professional. Early return could result in a re-injury of the affected body part, or a new injury.

Safety precautions to prevent injuries

Coaches are responsible for ensuring that the practice facility and equipment are maintained safely. Basic precautions including spacing equipment far enough apart to prevent athletes from colliding into other gymnasts or equipment, and having appropriate floor padding and mats under equipment that are properly secured to prevent slipping.

Spotters who watch and monitor athletes are critical to athlete safety. Trained spotters should be in attendance at all practice sessions to observe and assist gymnasts learning new moves or performing challenging routines.

Gymnastics schools often rent their facilities to other organizations or private parties for birthday parties, fundraisers, sleep-ins and other events. Doing so involves a great amount of risk and we highly recommend having an attorney review the terms of your lease agreement to ensure you and your gymnastic school are protected by the proper contractual transfer of liability provisions. We offer free detailed information on this topic in our risk management library.

Being prepared for injuries

No matter how many precautions are taken, accidents and injuries are going to occur. Gymnastics insurance is your best protection against injury claims. However, it’s important that your child’s coach and the practice facility staff are prepared to deal with the inevitable.

• Coaches should be trained in first aid and be able to treat minor injuries, such as cuts, bruises, or minor strains and sprains.
• Coaches should have an emergency plan in place and all staff knowledgeable of the steps they need to take in reaching medical professionals for serious injuries such as fractures, concussions, neck injuries, dislocated joints, severe bruising, sprains and abrasions.

Prevent overuse injuries

There is a steady rise in young athletes who focus on just sport and train year-round. Not surprisingly, there is a correlating increase in overuse injuries. The American Academy of Orthopaedic Surgeons strongly recommends that parents insist that children take regular breaks during the year from training.

A note to coaches and parents of girls: Exercise-induced amenorrhea is the lack of monthly periods caused primarily by intense exercise. It’s not uncommon among distance runners, dancers and gymnasts. Other potential signs of amenorrhea can be a delay in sexual development, low to low-normal body weight, and stress fractures. There can be long-term negative health consequences to untreated amenorrhea. If you suspect signs of amenorrhea, consult a physician.

Gymnastics insurance is the one element of risk management your training facility shouldn’t be without. Call us at 800-622-7370 so we can assist in determining the gymnastics insurance coverage that suits your unique needs. Or download the application for a quote.

---

SPECIALTY AREAS