$65,000
Avg Claim Cost
High
Concussion Risk Level
1,400,000
Youth Athletes in State
Coverage Requirements for Your State
In North Carolina, youth sports organizations must meet specific insurance requirements. Our guides help you understand GL, accident, and SAM coverage obligations.
State Regulations
GS 115C-12 — concussion protocols for school sports; private leagues follow best practices
Cheer Risk Profile
Most common injury type: Stunt Injuries / Falls. Understanding these risks helps you choose appropriate coverage limits and risk management protocols.
Risk Management Tip
Require AACCA-certified coaches for all stunt activities. Mandate spotters at every practice.
| Coverage Type | Minimum Limit | Recommended Limit |
|---|---|---|
| General Liability | $1M/$2M | $2M/$5M |
| Participant Accident | $25K | $100K per person |
Real Claim Example
$85K — pyramid collapse during competition, two athletes hospitalized
Important Note
North Carolina parks departments require proof of insurance before field access.