Cheer booster clubs support the squad that brings energy to every game and event. You support your cheer team with spirit wear, fundraisers, and fun activities that build community. But these events also come with risks. An accident or unexpected loss can create stress for your volunteers and your club.
Cheer booster club insurance gives you peace of mind. It protects your group, your volunteers, your property, and your funds so you can focus on supporting your cheer program.
Why Is Cheer Booster Club Insurance Important?
Your club works hard to raise money and put on events. But even simple activities can create liability. A slip at a spirit night or damage to someone’s property could lead to out-of-pocket costs. Liability insurance helps shield your group from financial loss.
Insurance also protects the people who give their time. Coverage helps your club’s leaders operate with confidence.
Understanding Cheer Booster Club Insurance Coverage
Cheer booster club insurance is different from cheerleading insurance. Booster club insurance does not cover the cheer team’s practices, stunts, or competitions. Instead, it protects the activities of the booster club.
Covered activities include:
• Spirit wear sales
• Fundraising events
• Spirit nights
Exclusions include:
• Athletic teams with practice schedules
• Stunting
• Skills camps
If your group focuses on fundraising and support activities, insurance helps safeguard your work.
Essential Coverage Types for Cheer Booster Clubs
AIM offers four main coverages for cheer booster clubs. These protect your group’s funds, volunteers, events, and leadership.
Event Insurance – General Liability Coverage
Event insurance protects your club if someone is hurt or a third party’s property is damaged at your event. It helps with lawsuit costs and medical bills. This coverage is important for events like spirit nights, merchandise tables, carnivals, and community fundraisers.
Embezzlement Insurance – Fidelity Bond Coverage
Even trusted volunteers can make mistakes or face personal pressures. Embezzlement insurance protects your club’s money from theft or misuse by someone handling funds and keeps your group’s finances safe. Learn more about protecting your organization from embezzlement.
Business Personal Property Insurance – Inland Marine Coverage
This coverage protects equipment, supplies, and merchandise owned or in your club’s possession (e.g., rented or borrowed). It covers theft or damage to items like spirit wear inventory, sound systems, tents, and tables.
Directors and Officers Liability – Professional Liability Coverage
Directors and Officers Liability protects your board members if they are accused of mismanagement. It covers legal costs related to decisions made on behalf of the club.
Managing Liability with Waivers and Best Practices
Good planning helps reduce risk. Waivers and clear procedures show that your group follows safe practices.
Participant Waivers
If your fundraiser includes recreational activities, it’s a good idea to have participants sign a waiver. A waiver shows that the participant understands the risk. A signed waiver is not a guarantee that the individual will not sue, but it may deter a lawsuit in some cases.
You can also reduce risk by:
• Keeping good records
• Training volunteers
• Reviewing event safety steps
• Using proper signage
Getting Started with Your Booster Club Coverage
Insurance helps your cheer booster club operate with confidence. AIM makes the process simple. Coverage starts at just $65 per year. Review all booster club insurance options and request a quote online.
FAQs about Cheer Booster Club Insurance
Does school insurance automatically cover our cheer booster club activities?
No. School insurance usually covers school-sponsored activities only.
What fundraising activities require cheer booster club insurance?
Any activity that involves people, money, or property can benefit from coverage, including spirit wear sales, community events, and banquets.
Are volunteer coaches covered under booster club liability insurance?
No. Coaches working with the cheer team fall under cheerleading or school insurance, not booster club coverage.
How much does annual booster club insurance cost?
Coverage starts at $65 per year in some states.
Can we get coverage for a single cheer fundraising event?
Yes. AIM offers event-specific policies.
What documentation do we need when someone is injured at our event?
Get a clear description of what happened, witness statements, photos if available, and any medical reports.
Protect Your Cheer Booster Club Today
Your cheer booster club works hard to support students and build school spirit. The right insurance keeps your volunteers and funds safe. You can explore coverage options or get a quote in minutes by calling 1-800-876-4044 or visiting our website.
