Insurance Coverage for Cheerleading & Dance
Cheerleading & Dance organizations face unique insurance challenges. As a high sport serving athletes aged Ages 5–18, the most common injuries include stunt injuries / falls. This comprehensive guide details every coverage type your cheerleading & dance program needs, with sport-specific recommended limits and real-world claim examples.
| Coverage Type | Why It Matters | Minimum | Recommended |
|---|---|---|---|
| General Liability (CGL) | Covers third-party injury claims during cheerleading & dance activities | $1M/$2M | $2M/$5M |
| Participant Accident | Pays medical bills for injured cheerleading & dance athletes | $25K | $100K per person |
| Sexual Abuse & Molestation | Protects against allegations involving staff or volunteers | Recommended | $1M+ |
| Directors & Officers (D&O) | Shields board members from personal liability | Recommended | $1M |
| Non-Owned & Hired Auto | Covers volunteer drivers transporting athletes | $1M CSL | $1M CSL |
| Property & Equipment | Protects cheerleading & dance-specific equipment and gear | Replacement value | Replacement value |
Cheerleading & Dance Risk Profile
Most common injury type: Stunt Injuries / Falls. Contact level: High — directly impacts liability exposure. Key risk area: Cheer Stunt Exclusion. Additional risk: Assault & Battery Exclusion. Concussion risk: High. Understanding these sport-specific risks helps you select appropriate coverage limits and implement targeted risk management strategies.
$85K — pyramid collapse during competition, two athletes hospitalized
Require AACCA-certified coaches for all stunt activities. Mandate spotters at every practice.
Policy Exclusions to Watch For
Standard policies often exclude sport-specific risks. For cheerleading & dance, watch for exclusions around: Cheer Stunt Exclusion, Assault & Battery Exclusion. Players Health builds coverage that addresses the unique risks of cheerleading & dance, so you're never caught off guard.
Who Needs Cheerleading & Dance Insurance?
Every organization involved in cheerleading & dance should carry insurance:
- Cheerleading & Dance leagues (recreational and competitive)
- Cheerleading & Dance clubs and travel teams
- Cheerleading & Dance tournament and event organizers
- Cheerleading & Dance camps and clinics
- Cheerleading & Dance coaches and private trainers
- Facilities hosting activities
Our cheerleading & dance organization is too small to need insurance.
Size doesn't matter when it comes to liability. A single injury claim against a small cheerleading & dance organization can result in six-figure legal costs. Insurance is the only reliable way to protect your program, your board members, and your personal assets.
Frequently Asked Questions
How much does cheerleading & dance insurance cost?
Costs depend on your organization size, number of athletes, coverage limits, and state. The average claim in cheerleading & dance is $65,000, underscoring why proper coverage is essential. Get a personalized quote from Players Health for exact pricing.
What's the most important coverage for cheerleading & dance programs?
General Liability and Participant Accident are the foundation. SAM coverage is increasingly required by governing bodies and facilities. D&O protects your board members personally.
Does my facility's insurance cover our cheerleading & dance activities?
Almost never. Facility policies typically exclude sports-specific liability, participant injuries, and abuse allegations. Your organization needs its own dedicated policy.