Why do gymnastics facilities need insurance?
Gymnastics facilities insurance from American Specialty Express covers facilities and training centers that provide gymnastics training and other related activities such as tumbling, cheerleading, dance, martial arts, aerobics/exercise classes and more. Facilities with ancillary trampolines, inflatables, overnight lock-ins, birthday parties and day camps/competitions are also eligible for this program. Liability and accident insurance are included in every quote with options to add coverage for non-owned and hired auto liability, abuse and molestation, contents and equipment and excess liability limits.
The following information is offered as a snapshot of the coverages provided through the American Specialty Express gymnastics facilities insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.
What exactly does gymnastics facilities insurance provide?
This program covers gymnastics instruction, training and much more. We understand gymnastics facilities often go beyond instruction, offering a range of activities that build strength, agility, self-discipline and respect. Our program is designed to meet the insurance needs of diverse training facilities that fill an important need for our communities.
Coverages are tailored specifically for these training centers, including general liability protection for the facility, its employees and volunteers, as well as excess accident medical insurance for participants. Coverage may be extended to cover multiple locations and even provides an option to cover the facility’s booster club(s). The program is a great fit for facilities that host competitions. For studios that rent or lease the facility where they operate, coverage meets most landlord requirements.
Don’t lose your balance when it comes to insurance. Leap into strong financial protection with gymnastics facilities insurance from American Specialty Express!
What are some examples of when gymnastics facilities insurance might be used?
Scenario 1: A student injures her neck during practice and is transported by ambulance to the hospital. Medical bills for the transport and ongoing care are significant, and she misses quite a bit of school as a result of the injury. The student is not able to participate in gymnastics for the foreseeable future, which is devastating as she had planned to compete in college. The family believes the gym is at fault for the injury and seeks representation by an attorney. The demand letter seeks reimbursement for the father’s missed time from work to care for his daughter and for lost college scholarship funds. The facility owner immediately shares the letter with American Specialty, who retains an attorney to defend the facility and its employees against the allegations.
Scenario 2: A parent coming to pick her son up after practice slips on ice on the sidewalk outside the gym. The gym owner had asked an employee to clear and salt the walkway, but the employee was busy with other responsibilities and hadn’t gotten to it yet. The parent fractures her wrist, which requires surgery and causes her to miss several weeks of work. She doesn’t hire an attorney, but she asks the training center to pay for her out-of-pocket medical bills and time off work. The owner reported the accident to American Specialty the day it happened. Our team works with the injured parent to agree upon a fair settlement and resolve the matter.
Scenario 3: A gymnast injures her wrist while on the uneven bars. Her parents have insurance to cover the medical bills, but they have a large deductible. They are pleased to learn the gym’s accident medical insurance will cover their out-of-pocket medical bills. The gym owner submits an incident report to American Specialty. The insurer works directly with the family, and the family is reimbursed for most of their out-of-pocket medical costs which is a huge relief.
These are just a few examples where gymnastics facilities insurance will come to the gymnastics center’s defense and protect its valuable assets and ability to continue operating.
How can I get more information?
Although this is an online program, we are available if you have questions. Call us, chat with us online or send us an email. Our gymnastics facilities insurance program is provided by real people who want to help—that’s what special feels like with American Specialty Express. Don’t hesitate to contact us.
Why should I purchase coverage through American Specialty Express?
American Specialty Express delivers the ability to quote and buy affordable gymnastics facilities insurance immediately and come back to your account anytime you want. Insureds can secure all necessary documentation online and, once coverage is purchased, eligible additional insureds can be added for no additional cost. Need a copy of the policy? Simply go online anytime to print a copy of the insurance policy/certificate of insurance, add an additional insured, review coverage or report a claim. Hopefully everything goes smoothly throughout the year, but if an accident occurs where insurance is needed, we provide an easy, hassle-free process to report and manage the claim.
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