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Insurance
Peace of mind, built into your membership
When your club affiliates with GCS, the club and every coach and gymnast you register to a place automatically benefit from our group insurance policy.
£10m
Public liability
£10m
Professional indemnity
£10m
Employers’ liability
£10k
Personal accident
Limits of cover
What the policy covers
A summary of the GCS group policy. Always read the full policy overview for terms, conditions and exclusions.
Limits as published on the current GCS insurance page and in the broker’s cover letter (Mann Broadbent, 31 March 2026).
| Cover | Limit |
|---|---|
| Public & Products Liability Covers clubs and individuals found legally responsible for injury or damage to property. |
£10,000,000 any one occurrence (products: £10m in the aggregate; abuse limited to £2,000,000) |
| Professional Indemnity Protects clubs and coaches against claims alleging injury or loss caused by a negligent act, error or omission while coaching. |
£10,000,000 any one claim, £10m in the aggregate |
| Employers’ Liability Covers claims against clubs for injury to an employee or volunteer in the course of their work. |
£10,000,000 any one occurrence |
| Directors & Officers Liability Covers claims made directly against clubs or individuals in a managerial position for alleged wrongful acts. |
£1,000,000 any one occurrence, £1m in the aggregate |
| Personal Accident Pays a benefit after accidental injury while taking part in organised member activities. |
Up to £10,000 see the benefit schedule below |
Insurance questions?
Talk to us about insurance
Free 30-minute call with the GCS team. We’ll walk you through what the group policy covers for your club, coaches and gymnasts, and how places work, so you can decide with confidence.
✓ Free, no obligation ✓ 30 minutes with the GCS team ✓ Monday–Friday, 9am–5pm
Insurance enquiry call
30 min · with Gym Club Solutions
Pick a time that suits you. Or call 01493 509460.
Sportscover Europe Limited
Underwrites the liability policies (employers’, public, products, professional indemnity, and directors & officers).
Mann Broadbent
Sport, Dance & Leisure Insurance. Acts as insurance broker for GCS Affiliation Limited.
13 Apr 2026 – 12 Apr 2027
Current policy year, per the broker’s letter. Personal accident cover is underwritten by Sportscover Europe Limited.
Activities covered
Covered when you train at a GCS-affiliated club
Liability and personal accident cover apply when a GCS member takes part in these activities at an affiliated club, following GCS membership conditions, syllabus and ratios. UK only.
✓ Gymnastics (Gymnastics for All)
✓ Women’s artistic
✓ Men’s artistic
✓ Pre-school gymnastics
✓ Tumbling
✓ Freestyle gymnastics
✓ Bouncy castles in play class settings
✓ 2 free taster sessions (closely supervised)
✓ Birthday parties (non-members covered)
✓ HAF & holiday clubs (non-members covered)
Personal accident
Personal accident benefits
| Benefit | Injury |
|---|---|
| £10,000 | Death; paralysis; loss of 2 or more limbs; loss of both eyes |
| £5,000 | Permanent loss of sight in one eye |
| £2,500 | Permanent loss of hearing; permanent loss of a whole limb; permanent loss of whole shoulder, elbow, hip, knee, wrist and/or ankle |
| £1,000 | Permanent loss of whole thumb or big toe |
| £500 | Permanent loss of any other finger or toe; broken bone; dental; facial scarring; additional expenses |
| £50 | Physiotherapy and chiropractic (maximum 6 sessions) |
When does cover apply?
Cover applies to affiliated clubs and the coaches and gymnasts registered to their places during organised gymnastics and related activities carried out under GCS guidelines, syllabus and ratios. Cover is restricted to activities in the UK. Members must be registered on the system to be covered.
Making a claim
Report every claim, and any incident that could lead to one, however minor, to Gym Club Solutions straight away.
Insure your club the simpler way
Group cover for your club, coaches and gymnasts, priced per place.