Whether you’re a cheerleading instructor or choreographer, having the right kind of insurance is essential to protect yourself, your students and the general public. Here at Fitness Gold, we can provide a complete range of insurance products for cheerleading professionals of all kinds.
Our Cheerleading Insurance packages have been carefully designed by specialists who understand the nuances of the discipline. Whether you’re a freelance instructor teaching at multiple venues, a studio owner with dedicated cheerleading facilities, or a coach working with competitive squads, our bespoke policies provide protection against the specific risks and liabilities you face daily.
Insurance provided by a Standard & Poor’s A (Strong) rated insurer.
We’ve been working with businesses like yours for over 40 years.
Tailor-made insurance policies, made for specialists, by specialists.
Our comprehensive Cheerleading Insurance packages include essential coverages tailored specifically to the unique risks cheerleading professionals face. Here’s a detailed breakdown of the protections included in our policies:
This fundamental coverage protects you if a participant, spectator, or other third party suffers an injury or property damage for which you’re legally liable. This is crucial given the physical nature of the discipline and the potential for accidents.
If you sell, supply, or recommend products to your cheerleaders, such as uniforms, training equipment, or nutritional supplements, this coverage protects you if those products cause injury or damage.
This specialist protection covers claims arising directly from the professional instruction and physical training you provide. In cheerleading, where you’re teaching complex physical movements and potentially providing hands-on spotting and guidance, this coverage is essential.
This automatically included coverage (£10,000 standard limit) protects you against claims for purely economic losses not resulting from physical injury or property damage.
We also offer several optional extensions that may be particularly relevant for cheerleading professionals:
Protects your valuable cheerleading equipment, sound systems, and other business property against damage, theft, or loss. Given the specialised and often expensive nature of cheerleading training equipment, this coverage can be crucial for maintaining business continuity.
Provides financial support if you suffer an injury that prevents you from teaching. This is particularly relevant for cheerleading coaches who often demonstrate moves and may be involved in spotting activities that carry personal injury risks.
A legal requirement if you employ staff, even on a temporary or part-time basis. This covers claims from employees who are injured or become ill as a result of working for you – essential if you have assistant coaches or administrative staff.
Helps replace lost income if your business operations are temporarily halted due to an insured event such as fire or flood damage to your premises.
All our policies are customisable to your specific cheerleading business model, ensuring you’re comprehensively protected without paying for unnecessary coverage.
Our Cheerleading Insurance is specifically designed for professionals throughout the UK cheerleading community, including:
If you’re involved in teaching or facilitating cheerleading activities in any capacity, our specialist policies ensure you have appropriate coverage for the specific risks associated with this discipline. We also offer special student rates for those completing their cheerleading coaching qualifications.
The athletic and acrobatic nature of cheerleading presents unique risks that make specialised insurance essential for anyone working in this field. Cheerleading combines elements of gymnastics, dance, and stunting. All of these activities carry inherent physical risks even when taught with the utmost care and professionalism.
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Professional cheerleading involves inherent risks and cheerleading insurance transforms these potentially business-ending risks into manageable, budgeted expenses. Rather than facing uncertain and potentially unlimited liability, you gain the peace of mind to focus on developing your cheerleaders’ skills and confidence, knowing you have robust protection in place.
Get a QuoteEven with perfect instructions and proper spotting techniques, accidents can happen. A minor miscommunication or momentary loss of concentration can result in falls or collisions that might lead to injuries ranging from sprains to more serious incidents requiring medical attention.
The reality is that even the most qualified and diligent cheerleading instructors face potential claims.The financial consequences of such claims can be devastating without proper insurance protection, potentially including substantial legal fees even if you’re ultimately found not at fault.
Equipment-related incidents present another significant risk area. Failure or improper use of this equipment could result in injuries that trigger liability claims against you.
Beyond physical injuries, there’s also the risk of property damage. Cheerleading activities conducted in rented spaces or third-party facilities could accidentally result in damage to the premises.
With over 40 years of experience providing insurance to professionals in the fitness and performance sectors, we truly understand the risks associated with cheerleading.
Our cheerleading policies automatically include key protections that other insurers might offer only as expensive add-ons. Treatment risk liability coverage comes standard with all our policies, along with financial loss protection that many competitors exclude. This comprehensive approach ensures you’re not left with dangerous gaps in your coverage.
Despite offering specialist, comprehensive coverage, we maintain highly competitive premiums. Our long-standing relationships with insurers and our focus on specific industry sectors allow us to negotiate preferential rates that we pass directly to you.
We recognise that every cheerleading business operates differently. Whether you’re a mobile instructor working across multiple venues, a studio owner with dedicated facilities, or a coach working with competitive teams, our policies can be customised to match your specific circumstances.
The true value of insurance becomes apparent when you need to make a claim. Our dedicated claims team provides straightforward, supportive guidance throughout the process, working diligently to achieve fair and prompt resolutions.
We know you can’t afford to wait for insurance documentation. Our efficient online system provides immediate coverage confirmation and policy documents, allowing you to demonstrate your professional insurance status to venues, clients, and partners without delay.
Perhaps most importantly, choosing Fitness Gold for your cheerleading insurance gives you the confidence to focus on what you do best (developing skilled, confident cheerleaders) without constant worry about potential claims or liability issues.
Our policies are underwritten by insurers with A-rated financial strength (Standard & Poor’s), providing additional security and reliability when you need it most.
Finding the right insurance policy for your cheerleading business shouldn’t be complicated. Our straightforward approach helps you identify the most appropriate coverage based on your specific circumstances:
Are you a Student?
Do you own or manage a gym or business premises that allows access to the public (excluding studios based at home)?
Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.
Get a quoteAre you employed by a gym or business owner?
Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.
Get a quoteDo you rent a space in a gym or work on a freelance or mobile basis in the fitness sector?
Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.
Get a quoteDo customers visit you at home for their fitness session?
Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.
Get a quoteBased on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.
Get a quoteYes, our standard policies cover instructing and coaching activities related to competitions and performances. This includes training sessions, rehearsals, and attendance at competitive events throughout the UK. If your cheerleading teams participate in competitions, our public liability coverage extends to these events, protecting you against claims arising from participant injuries or property damage during official competitive activities under your supervision.
If a participant sustains an injury while performing a stunt you’ve taught and subsequently makes a claim against you, your malpractice and public liability insurance would typically respond to this scenario. You should notify us immediately of any incident that might give rise to a claim, even if no formal claim has yet been made.
Your basic cheerleading liability insurance doesn’t automatically include coverage for your equipment. However, you can add equipment cover to your policy as an optional extension. This additional coverage protects your cheerleading equipment, such as mats, training aids, sound systems, and other business property, against damage, theft, or loss.
Our cheerleading insurance policies cover you for working with participants of all ages, including children, teenagers, and adults. There’s no need for separate policies based solely on the age of your participants.
If you work mobile or freelance in the Cheerleading sector, our specialist policies provide all the cover you need at some of the best prices around.
Freelance coversThe Fitness Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.
Treatment pageDo you own or lease a gym? Our gym insurance packages provide some of the widest covers available.
Gym coversTalking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide
Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an optional cover. Just add it to any of our freelance hairdresser, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!
