IL Recreational Cheerleading Insurance

Illinois Recreational Cheerleading Association partners with Sadler Sports & Recreation Insurance and American Youth Cheer

Illinois Recreational Cheerleading Association is pleased to partner with Sadler Sports & Recreation Insurance and the American Youth Cheer insurance plan in order to provide our endorsed insurance program for member organizations.

  • Save Up To 49%: Tap into the massive buying power of the largest youth football and cheer organization in the world.
  • High Limits Of Coverage: Protects your kids, administrators, and volunteers against catastrophic injuries and lawsuits.
  • Includes Essential and Hard-to-Get Coverages: Beware of other inferior programs that do not cover sex abuse/molestation, competitive cheer stunts, volunteer vs. volunteer lawsuits, and non-owned/hired auto liability.
  • Go Online to Get a Quick Quote in 30 Seconds and Purchase Coverage in 5 Quick Minutes. Immediately print your proof-of-coverage documents and claim forms.
  • Cheer/Dance/Step Squads not affiliated with a football organization (ages 5 to 18)


  • Option #1- $100,000 Accident/$1,000,000 General Liability:  $115.09 per squad
  • Option #2- $100,000 Accident/$2,000,000 General Liability:  $125.63 per squad
  • Option #3- $100,000 Accident/$5,000,000 General Liability:  $182.91 per squad

Accident Deductible – $500

Coverage is effective the day the application and premium are received and expires 06/30/2021.

Important Steps to Remember When Purchasing Coverage:

  • Squads must be a member of American Youth Football & Cheer in order to purchase the coverage. Apply for your AYF/AYC Membership. Cost is $25 per squad.  A password will be provided in order to proceed with the insurance.
  • Choose Cheer/Dance/Step Squads/Contender – Class 3. Then enter the number of cheer squads. You will continue through the review of the application, entering your contact information and the AYF/AYC password.

Optional Coverages

  • $1,000,000 Directors & Officers Liability   $300 per club
  • $25,000 Crime   $200 per club
  • Equipment   $2.00 per $100 of insured value (Subject to $200 minimum premium)


Risk Management Content

Visit our Risk Management page to access the following content most applicable to cheerleading:

  • Sample Waiver/Release-Minor
  • Are Waivers Worth the Paper They are Written On?
  • Heat Illness: Avoidance and Prevention
  • Lightning Safety and 30/30 Rule
  • Before You Sign The Facility Lease Agreement
  • Collect Certificates of Insurance From Your Vendors
  • Football / Cheer Concussion Awareness Risk Management
  • Sample AYF/AYC Risk Management Plan

This is not an all inclusive list, check our our Risk Management page for other articles, programs, videos, and forms.