The Short Answer
Youth gymnastics organizations in Illinois need to meet insurance requirements set by state and local park systems, school districts, and facility operators. While Illinois does not have a single statewide youth sports insurance law, proof of general liability coverage is effectively required to access public fields and recreational facilities.
The standard minimum in Illinois is $1 million per occurrence / $2 million aggregate in general liability. Many Illinois municipalities also require accident medical coverage for participants and abuse & molestation coverage for programs that work with minors.
Players Health has helped hundreds of gymnastics organizations in Illinois get properly covered. Our certificates are accepted by parks departments and school systems throughout Illinois, and you can bind coverage online in minutes.
In addition to general liability, Illinois gymnastics organizations should consider Directors & Officers insurance to protect board members, umbrella coverage for larger programs, and workers compensation if you have any paid staff.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Accident Medical / Participant | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | ✓ |
| Umbrella / Excess Liability | ✓ |
| Workers Compensation | ✓ |
| Property Coverage | ✓ |
| Event Cancellation | – |