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Frequently Asked Questions

This program has been designed for U.S.-based USASF cheer gyms, specializing in the instruction of cheerleading and competitive dance. Coverage provided includes important liability protection for the gym, including its employees and volunteers, for liability claims arising out of its operations.


For eligible USASF Cheer Gyms, covered operations consist of premises, operations and activities involving registered participants of your USASF Cheer Gym for cheer and dance programs and/or activity(s) under direct supervision or organized by you and which have been reported to the company along with any ancillary event or activity held directly with cheer, dance or activity(s) at your location(s) or at approved off-site location(s) on your behalf.  In addition, covered operations include birthday/social
party(s), the use of trampolines, Tumble Traks, Air Traks, as well as for participation in special events where the insured's participants are representing the gym, parades in which the insured participates, picnics, award banquets and ceremonies and incidental fund-raising activities involving the sale of products, coupons, raffle tickets and services such as:  car washes, bake sales and coin drops supervised by the insured and related to the above described operations and activities.

  • Gym operations that provide instruction using gymnastics apparatus (bars, beam, vault, etc.)
  • Competition and event organizers
  • College or university cheer squads

    Contact Insight Risk Management for
    other insurance program options.



Coverages   Option 1 Option 2
Each Occurrence $ 1,000,000 $ 1,000,000
General Aggregate
(Other than Products-completed Operations)
$ 5,000,000
(per location)
$ 5,000,000
(per location)
Products-completed Operations Aggregate $ 1,000,000 $ 1,000,000
Personal and Advertising Injury $ 1,000,000 $ 1,000,000
Damage to Premises Rented To You $ 300,000 $ 300,000
Medical Expense (other than participants) $ 5,000 $ 5,000
Hired Auto and Employers' Nonownership Liability
(not provided while in Hawaii)
$ 1,000,000 $ 1,000,000
Professional Liability $ 1,000,000 $ 1,000,000
Legal Liability to Participants $ 1,000,000 $ 1,000,000
Medical Payments for Participants (excess) $ 25,000
$100 per claim
deductible applies
$ 150,000
$250 per claim
deductible applies
Annual Cost
(per student/member)

USASF Member Gym Plan All Ages
-Includes STUNT 

$ 25.21
$ 26.91

*Note: Per Occurrence liability limit options of $2,000,000; $3,000,000; $4,000,000; and $5,000,000 are now available in the online quoting process.

Annual Minimum Cost $ 530.00 $ 530.00

Note:  Gyms that attend or participate in any competitions or events that are not sanctioned by the USASF are subject to a $37.15 per student/member rate. ($780 minimum premium applies). 

Optional Coverages Available

- Equipment & Contents Coverage (Inland Marine)
- Sexual Abuse or Sexual Molestation Liability or Abuse, Molestation, Harassment or Sexual Conduct Defense cost Reimbursement
- Subsidiary Activities
   (yoga, exercise, dance, open gym and camps/clinics)