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Choose the right gymnastics insurance program for your school.

Choosing the right gymnastics insurance program for your school is just as important as choosing the right apparatus, safety equipment, and staff. The right insurance program fully protects your school's reputation and property, and gives you a broad shoulder to lean on when the unexpected happens.

What makes a great gymnastics insurance program?
Not all insurance programs are created equal. With Markel's gymnastics insurance program, you get more than just a policy.

General liability
A must for all gymnastics schools, general liability insurance protects you if you are sued by someone who claims that you caused their physical injury or damaged their property. You can choose the level of general liability protection you need:

  • $500,000 per occurrence/$1.5 million aggregate*
  • $1 million per occurrence/$3 million aggregate

*Per occurrence is the maximum amount paid on a covered individual claim; aggregate is the maximum amount paid on all covered claims combined, within the policy period.

Accident medical (required)
Accident medical insurance will pay students’ medical bills if they are injured at your school or during activities you sponsor and have no insurance of their own, or their bills exceed what their insurance pays. You can think of accident medical insurance as a goodwill gesture—by paying a student’s medical bills now, you may be able to avoid a lawsuit later. Accident medical insurance is sold as a minimum earned premium policy. In the event you cancel your policy, we will retain the minimum premium.

Umbrella liability
Umbrella liability insurance provides additional protection that takes effect after you’ve gone above the limits of your general liability insurance. We offer limits up to $5 million

Property coverage

  • Buildings: Protects your building whether you own or rent.  
  • Business income: If your school is temporarily closed due to a covered loss, this insurance covers your lost income and continuing expenses.
  • Business personal property: Protects your office furniture and fixtures if they are damaged by a covered cause of loss.
  • Systems breakdown: Protects you when any mechanical, electrical, or pressure system breaks down. This includes heating and air conditioning systems, computers, boilers, refrigerators, hot water heaters, and telephone systems.

Other business coverages
Markel offers these important coverages to further protect your business:

  • Business income: If your school is temporarily closed due to a covered loss (such as fire, lightning, windstorm), business income insurance covers your lost profits. 
  • Crime:  Covers you if an employee steals money, securities, or other property.  
Policy and terms are only briefly outlined. For complete details, refer to the policy.
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