The Short Answer
Youth cheerleading organizations in Kentucky need to meet insurance requirements set by state and local park systems, school districts, and facility operators. While Kentucky 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 Kentucky is $1 million per occurrence / $2 million aggregate in general liability. Many Kentucky municipalities also require accident medical coverage for participants and abuse & molestation coverage for programs that work with minors.
Players Health has helped hundreds of cheerleading organizations in Kentucky get properly covered. Our certificates are accepted by parks departments and school systems throughout Kentucky, and you can bind coverage online in minutes.
In addition to general liability, Kentucky cheerleading 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 | – |