Coverage Requirements for Your State
In New York, youth sports organizations must meet specific insurance requirements. Our guides help you understand GL, accident, and SAM coverage obligations.
Cardiac Emergency Response Plans required 2025–26; concussion protocols mandatory; John Mackey Youth Football Protection Act pending
Gymnastics Risk Profile
Most common injury type: Wrist / Spine Injuries. Understanding these risks helps you choose appropriate coverage limits and risk management protocols.
Conduct monthly equipment inspections. All apparatus must meet USA Gymnastics safety standards.
| Coverage Type | Minimum Limit | Recommended Limit |
|---|---|---|
| General Liability | $2M/$5M | $2M/$5M |
| Participant Accident | $25K | $100K per person |
$95K — spinal injury on uneven bars, gym alleged to have improperly maintained equipment
New York's waiver limitations make having active GL coverage even more critical — organizations cannot rely on signed waivers.