General Liability Insurance Umbrella Liability Insurance Property Insurance Accident Medical Insurance     Competition Insurance     Camp and Clinic Insurance    Other Business Coverages   General Liability Insurance A must for all cheer gyms, 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. Umbrella Liability Insurance 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 Insurance If you own the building that houses your gym, you need property insurance to protect both your building and its contents. If you rent, you need property insurance to cover your valuable equipment. Markel’s coverage is available on an “all risk” basis, which means you’re covered for events like fire, windstorms, burglaries, vandalism, and even frozen pipes. We can cover your special property, including tanning beds, climbing walls, and inflatables. Accident Medical Insurance Accident Medical insurance will pay cheerleaders’ medical bills if they are injured at your gym 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 cheerleader’s medical bills now, you may be able to avoid a lawsuit later. Note: Accident Medical insurance is mandatory for cheer gyms. You can choose from three limits: $10,000 $25,000 $50,000 Note: Accident Medical insurance is sold as a Minimum Earned Premium policy. This means that if you cancel your policy, you will not get any money back. Competition Insurance This coverage protects you when you participate in competitions and tournaments that you do not sponsor. Camp and Clinic Insurance If you run a cheerleading camp or clinic, this coverage protects you. Other Business Coverages Markel offers these important coverages to further protect your business:  Business Income:  If your gym 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.   Please call us at 800-254-4649 to discuss how an insurance plan can be tailored to work for you. Policy and terms are only briefly outlined. For complete details, refer to the policy.