Why do I need gymnastics insurance?
Gymnastics is a demanding sport, putting strain on every joint, bone and muscle in your body. It only takes one misjudged movement to hurt yourself or someone else, or damage third party property. Your equipment can also be easily lost, stolen or damaged before, during or after a gymnastics event or training session.
Insure4Sport’s gymnastics insurance is tailored to protect participants and instructors from the unforeseen, so you can always keep your mind on the mats.
What does gymnastics insurance cover?
Public Liability cover against injury or property damage:
As a gymnastics instructor, whatever level you teach – from beginners to adults – you always carry the risk of a student in your care getting injured, which could lead to a costly compensation claim. If you’re a gymnast, there’s also a chance you could miscalculate a move and damage third party property.
Insure4Sport’s Public Liability protects your legal accountability if a claim is made against you for either a third party injury, or accidental property damage.
- Our tailored Public Liability starts at £1 million of cover for instructors.
- You’ll also get £1 million of Professional Indemnity cover for free when you take out Insure4Sport’s Public Liability cover, protecting you against claims arising from advice you’ve given.
Personal Accident cover if you require treatment:
Landings are one of the most important gymnastics skills – but they don’t always go to plan. Whether you’re moving at speed on a beam, or at height on the rings, a fall or sprain could require medical treatment and leave you unable to teach or practice.
Insure4Sport’s Personal Accident cover makes sure the financial impact of any injuries are kept to a minimum.
- Insure4Sport provides up to £50,000 of Personal Accident cover, with £10,000 of cover for both participants and instructors.
- If you take out Personal Accident cover, you can also add Loss of Earnings cover for both participants and instructors.
Compensation for equipment repairs and replacements:
Equipment is an essential aspect of gymnastics, whether it’s a kit bag or pommel horse. If it was lost, stolen or damaged, you could be unable to train for a long time.
Thanks to Insure4Sport’s Equipment Cover, if your equipment is lost, stolen or damaged, we’ll make sure it’s repaired or replaced as quickly as possible.
- We offer free cover on the first £250 worth of equipment. This means for example, if you wish to insure £750 of equipment, you will only pay for £500 worth.
- If the item is less than one year old - and it was bought new - we’ll replace it New-for-Old. We’ll also make repairs or replacements up to the figure stated in your Insurance Schedule.
Why choose our gymnastics insurance?
Gymnastics requires you to be in control at all times and Insure4Sport’s gymnastics insurance is tailor-made to help you control the impact of any unexpected accidents. You can create and buy your ideal policy online, and be confident that you’re paying the right price thanks to our Lowest Price Guarantee. Get an instant online quote here to find the flexible cover you need.
Public Liability Insurance covers you for third party injury or damage to property.
Professional Indemnity Insurance protects you from legal action following advice given.
Provides financial support should you receive an injury whilst carrying out the activity which you are insured and you are unable to work. The maximum benefit period for this cover is 52 weeks. There is an excess of 14 days on this section.
Personal Accident Insurance (sometimes referred to as Sports Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.
insure4sport provides a benefit for Accidental Death, Permanent Disablement, Loss of Limbs and Sight up to £50,000. Plus there is cover in place should you require Physiotherapy or Emergency Dental Treatment. We will also financially compensate you should you require a hospital stay or break a bone.
Provides protection against loss of, theft or damage to your valuable sports equipment should the unthinkable happen. Cover for items less than a year old is on a new for old basis. A Single Article Limit of £2,500 and a £50 excess applies to all claims. Sports equipment excludes bicycles and bicycle accessories. This cover is however available through our bespoke bicycle product “Cycleplan”. Please visit www.cycleplan.co.uk for further information.
Employers Liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. If you are a business or employee people this is a legal requirement.
If you employee volunteers you should still select the option but leave the wage roll values clear.
Participant to Participant Liability provides cover if one of your participants/players injures another participant/player during a sport where tackles, scrums, mauls, or throws are permitted (e.g. football or MMA). If you’re a coach or instructor, and you are deemed liable, then you will be protected.
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