Don’t Gamble with inferior programs in the high-risk world of gymnastics. Because of the unique risks of gymnastics schools and clubs, Skyscraper insurance now individually underwrites each application and offers specialized coverage’s and prices based on the organization’s specific needs.
Beware of other programs that don’t cover Assault & Battery, Punitive Damages, Abuse & Molestation, and Non-owned-Hired Auto Liability as these coverage’s are essential for your protection. Read the fine print in competitor programs.
Optional Coverage Equipment And Contents
This provides coverage for direct loss or damage to your supplies and equipment, furnishings, improvements and betterment’s, signs and non-structural glass due to theft, fire, vandalism or other covered causes (subject to actual policy terms and conditions). You must insure the full replacement cost of all of your equipment and contents to avoid a co-insurance penalty at the time of loss.
Risk Management
Gymnastics continues to be one of the most popular sports for girls, though many boys participate as well. A particularly unique aspect of the sport is that rigorous training often begins at a very young age, sometimes as young as 4 and 5 years old. Gymnastics consists of several events that each use a different apparatus. It’s a demanding sport that requires long hours of practice and complex physical movement, all of which increases the risk of injuries.
Gymnastics has one of the highest injury rates among girls’ sports, with almost 100,000 gymnasts injured each year. Hospital emergency rooms treat more than 25,000 injured gymnasts under age 15 annually. It’s critical that all gymnastic schools and coaches carry and are sufficiently covered by the gymnastics insurance policy that meets their unique needs.
Safety precautions to prevent injuries
Coaches are responsible for ensuring that the practice facility and equipment are maintained safely. Basic precautions including spacing equipment far enough apart to prevent athletes from colliding into other gymnasts or equipment, and having appropriate floor padding and mats under equipment that are properly secured to prevent slipping.
Spotters who watch and monitor athletes are critical to athlete safety. Trained spotters should be in attendance at all practice sessions to observe and assist gymnasts learning new moves or performing challenging routines.
Being prepared for injuries
No matter how many precautions are taken, accidents and injuries are going to occur. Gymnastics insurance is your best protection against injury claims. However, it’s important that your child’s coach and the practice facility staff are prepared to deal with the inevitable.
- Coaches should be trained in first aid and be able to treat minor injuries, such as cuts, bruises, or minor strains and sprains.
- Coaches should have an emergency plan in place and all staff knowledgeable of the steps they need to take in reaching medical professionals for serious injuries such as fractures, concussions, neck injuries, dislocated joints, severe bruising, sprains and abrasions.