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American Specialty

The FastCov Gymnastics Insurance program is designed to cover gymnastics facilities that provide gymnastics training and other related activities such as tumbling, "Mommy and Me" groups, cheerleading, dance, aerobics/exercise (no weight lifting), and martial arts. Facilities with ancillary trampolines, inflatables, overnight lock-ins, birthday parties, and day camps/competitions are also eligible for this program.
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All insurance coverage is provided on an admitted basis by "A" rated carriers.

  • Gymnastics
  • Tumbling
  • "Mommy and Me" programs
  • Cheerleading
  • Dance
  • Aerobics/exercise (no weight lifting)
  • Martial arts (no weaponry or full-contact)
  • Birthday parties
  • Day camps
  • Day competitions
  • Trampolines (with posted rules for usage) - NOTE: Trampoline Training Facilities are not eligible for this program
  • Inflatables (additional guidelines apply)
  • Climbing walls
  • Swimming pools
  • Zip lines
  • Trapezes
  • Overnight camps or competitions
  • Licensed daycare
  • Tumblebuses
  • Trampoline Training Facilities
  • Parkour/Free Running
  • Stand-alone cheerleading facilities, without gymnastics
  • Stand-alone martial arts facilities, without gymnastics
  • Martial arts classes involving weaponry
  • Martial arts classes involving full-contact (kickboxing, mixed martial arts, etc.)
  • Stand-alone mobile programs with no owned or leased gym premises
  • Non-Owned and Hired Automobile Liability
  • Abuse and Molestation

General Liability Limits
  • $1,000,000 Occurrence
  • $5,000,000 General Aggregate
  • $5,000,000 Products-Completed Operations Aggregate
  • $1,000,000 Personal and Advertising Injury
  • $1,000,000 Damage to Premises Rented to You
  • $2,000 Medical Payments
  • Participant Legal Liability Included

General Liability Notable Exclusions & Endorsements
  • Asbestos Exclusion
  • Lead Exclusion
  • Fungi/Bacteria Exclusion
  • Abuse or Molestation Exclusion (unless optional coverage is purchased)
  • Fireworks Exclusion
  • Additional Insured - Certificate Holders
  • Participant Legal Liability Coverage Form
  • Products/Completed Operations Hazard Redefined
  • Instructors, Coaches and Sports Officials - Broadened Coverage
  • Exclusion of Liability Insurance Afforded Under Another Policy (any other liability insurance afforded to the insured by any other carrier)
  • Exclusion - Designated Activity, Service or Work (bungee jumping, tackle football, concerts, day care operations, swimming pools, water attractions, amusement devices [amusement devices do not include inflatable structures], go-karts or other motorized racing, carnivals/circuses/fairs, laser tag, paintball, climbing walls, traverse walls (exceeding six feet in height), zip lines, trapezes, overnight camps or competitions, martial arts involving weaponry, martial arts involving full-contact [including, but not limited to kickboxing, mixed martial arts, etc.], weight lifting, parkour/free running)

Accident Medical
  • $25,000 Excess Accident medical limit is standard, with optional $50,000 and $100,000 limits also available.
  • $100 deductible.
  • $10,000 Accident Death & Dismemberment Limit included for all options.
  • Benefit period is 52 weeks.

Contents and Equipment Coverage
  • Coverage for limits up to $150,000 are available online (higher limits require separate offline underwriting).
  • Coverage is provided on a Replacement Cost basis.
  • A deductible of $1,000 per occurrence applies.

Contents and Equipment Coverage Enhancements
Note: These enhancements do not increase the applicable Contents and Equipment Limit unless otherwise specified.
  • Computer Systems - $25,000 Computer Equipment and $25,000 Media and Data
  • Personal Effects - up to $5,000 per person and $25,000 per occurrence
  • Property of Others - $10,000
  • Valuable Papers and Records - $50,000
  • Accounts Receivable - $25,000
  • Fire Extinguisher Recharge - $1,000 (no deductible applies)
  • Outdoor Signs - $3,500 per sign in any one occurrence
  • Earthquake Sprinkler Leakage - $10,000
  • Loss of Use of Modifications Made to a Building You Do Not Own - $50,000 in addition to the Contents and Equipment Limit
  • Water - $30,000 (total limit for water damage and Business Income/Extra Expense related to water damage)
  • Business Income and Extra Expense - $100,000 in addition to the Contents and Equipment Limit - 72-hour waiting period, no coinsurance applies
  • Utility Services (Business Income and Extra Expense) - included in $100,000 BI/EE limit
  • MRSA (Methicillin-Resistant Staphylococcus Aureus) Contamination (Business Income and Extra Expense) - included in the $100,000 BI/EE limit
  • Optional coverage for glass is available, up to a $25,000 limit, for a flat charge of $250

The above Program Summary information is offered as a snapshot of the coverages provided through the FastCov online insurance program. For a complete description of coverages and exclusions, the policies should be read and reviewed in detail. The precise coverage afforded is subject to the terms and conditions of the policies as issued.
American Specialty