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gymnastics insurance.




We’re often dazzled by the acrobatic prowess of gymnasts and cheerleaders as they perform their routines. Operators of gymnastics or cheer gyms help their students master the fundamentals and hone their skills when engaging in these athletic, acrobatic activities. These instructors provide guidance during the long hours of practice and dedication it takes for athletes to become proficient.

If you’re a gym owner, you know that your occupation also poses certain liability risks due to the nature of the activities. If something goes wrong, you could be on the hook for thousands or even hundreds of thousands of dollars in damages. Carrying enough liability insurance is essential for protecting your assets and preventing a financial catastrophe.

A problem that many gymnastics gym owners experience is finding an insurance provider that’s willing to take on the risk. If you’re having difficulty obtaining coverage for your gym, XINSURANCE can provide the solution.

insurance for gymnastics facilities
insurance for gymnastics facilities


What Can Gymnastics Insurance Cover?

We’ll help your gym develop customized insurance protection that addresses your unique liability exposures. Elements of your plan can include:

  • Commercial general liability: CGL coverage protects against general third-party bodily injury and property damage claims.
  • Commercial auto liability (available in most states): Covers injuries and property damage sustained by third parties resulting from accidents caused by gym-owned vehicles.
  • Property coverage: Covers the gym building and its contents, such as mats, bars and other equipment necessary to business operations.
  • Special events: Offers liability protection during parties and other one-time events that take place at the gym.
  • Alleged sexual abuse and molestation liability: Covers you if a student or family member makes allegations of sexual misconduct against you or an employee.
  • Alleged assault and battery liability: Provides liability coverage for injuries sustained by third parties as a result of fights or acts of violence.
  • Professional liability (E&O): Also known as errors and omissions insurance, this coverage protects you if you make a mistake or provide advice that contributes to an injury or improper decision.
  • Communicable disease coverage: Offers liability protection, resulting directly from a pandemic, in the event you are named in a lawsuit regarding a customer alleging they were exposed from your operation.
  • Individual liability: Offers personal liability protection for the gym owner.

Please note that we do not provide workers’ comp.

Gymnastics Gym Insurance Scenarios

Here are several examples of when insurance for cheer gyms and gymnastics operations provides coverage:

  • A visitor to your gym trips over a piece of equipment and suffers an injury. Your general liability insurance would pay for the medical bills and offer lawsuit protection.
  • You advise a student on how to perform a routine differently, and it causes an injury. Professional liability coverage would cover you for the error.
  • A student accuses you or an employee of committing sexual abuse during a practice session. Your sexual abuse and molestation coverage would cover any settlement or court-awarded judgment.
  • A spectator suffers an injury when a cheerleader collides with him while running off the floor after a routine. Participant liability insurance covers these situations.


XINSURANCE is an experienced insurance partner of excess and surplus liability insurance for specialty commercial liability risks. Individuals and businesses frequently turn to us when they’ve been canceled or non-renewed by their current carrier, or to cover gaps and exclusions in their current plan. As your trusted partner, you can count on us to offer the gymnastics liability insurance you need if an accident or incident occurs. You’ll have true peace of mind knowing that you’re prepared for a worst-case scenario.

Why Choose Us as Your Gymnastics Liability Insurance Partner?

XINSURANCE is a full-service liability insurance partner that understands the challenges your business faces. That’s why we support the products we sell with excellent customer service. Our streamlined underwriting process saves time and eliminates hassles. We’ll also assist you in implementing a risk management plan that reduces the likelihood of an incident. With our all-in-one policy structure, you’ll have a plan that protects you and your business from the exposures you face every day.

Our claims representatives are accessible around the clock to help you get the process started after a loss. With our years of expertise, we’ll handle your claim with speed and efficiency so you can focus on running your business. We can even help you with older open claims and bring them to a resolution.

How Does the Application Process Work?

Applying for coverage with XINSURANCE entails filling out and submitting our online app for review. Our underwriting team will set up a phone call to obtain additional information and discuss the risk in more detail. After the call, we’ll promptly issue a quote for your approval. If you elect to move forward, your new policy will be issued when you pay the initial premium.

Please contact us to get your free gymnastics liability insurance quote today. We’ll also be happy to review your current plan and make coverage recommendations.

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