Do you really need insurance? Is it possible that if everyone on the team has insurance, we wouldn't need it? Why do we need insurance? How to get insurance?
No competition is going to let you compete, unless each person is covered.
This is because they don't want to get sued, if you get hurt.
And yes, cheerleaders OFTEN get hurt.
The schools should carry a liability policy for you but you should also be able to purchase extra for injuries through school