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Health Clubs Program - Limited Services
Save Up To 38% While Getting Rock Solid Coverage From the Leading Health Club Insurance Program in the Industry!
The Lower Priced Program For The Lower Risk Health Club
PROGRAM DESCRIPTION
Specifically designed to meet the unique needs of U.S. based health clubs (with less than $500,000 in annual sales) that offer programs and services that may include personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines, and a variety of exercise classes for members. Exercise Studios and Circuit Training Studios that are not eligible under our other programs because they exceed 3000 square feet may be eligible under this program.
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| INELIGIBLE OPERATIONS |
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Annual Sales More Than $500,000 |
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Child Care Services/ Facility |
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Cycling (other than stationary) |
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Dance, Gymnastics / Cheer and Martial Arts Studios |
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Physical Therapy |
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Climbing Wall |
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Ice skating, roller skating or skating treadmills |
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Unattended or unstaffed 24 Hour Keycard/Keypad/Keycode Access, Unattended/Unstaffed Operations |
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Medical Therapy or Health Care Services |
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Physicals/Stress Testing |
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Sports Skills Instruction Facilities, Academies, Schools or Programs |
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Facilities or Operations Located Outside the U.S. |
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Swimming Pools/Hot Tubs/ Whirlpools/ Jacuzzis/Cold Plunge |
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Saunas/Steam Rooms |
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Salon Services/Tanning |
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Sports Rehabilitation Services/Therapy |
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Sports Medicine |
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Notable Exclusions: Please print the application for additional exclusions contained in this policy.
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| LIMITS OF LIABILITY AND PREMIUMS |
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On-site Coverage: Applies to the instruction activities of you and your employees and the business operations at your insured premises only.
On-site and Off-site Coverage: Applies to the instruction activities of you and your employees and the business operations at your insured premises and also extends to locations away from your insured premises (e.g.: training or class instruction at other locations).
*Higher limits are available upon request – please call 1-800-622-7370*
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On-site
Health Club Coverage |
On-site & Off-site
Health Club Coverage |
| General Aggregate |
$3,000,000
(per owned location) |
$3,000,000
(per owned location) |
| Products/Completed Operation Aggregate |
$1,000,000 |
$1,000,000 |
| Each Occurrence |
$1,000,000 |
$1,000,000 |
| Personal & Advertising Injury |
$1,000,000 |
$1,000,000 |
| Legal Liability To Participants |
$1,000,000 |
$1,000,000 |
| Professional Liability |
$1,000,000 |
$1,000,000 |
| Damage To Premises Rented To You (Fire Legal Liability) |
$300,000 |
$300,000 |
| Medical Expense (other than participants) |
$5,000 |
$5,000 |
| Hired Auto and Employer's Nonownership Liability (not provided while in Hawaii) |
$1,000,000 |
$1,000,000 |
| Premium: Rate Per $1000 Of Annual Sales |
$7.00 |
$7.70 |
| Minimum Premium: |
$1,000 |
$1,100 |
| Professional Liability for Independent Contractor (non-employees) |
$155.00 |
$170.00 |
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* Rates are available from 12-01-2011 to 11-30-2012
** There is no charge for Additional Insureds.
*** Notice to Agents & Brokers: There are no commissions included in this program
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INSURANCE CARRIER
Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.
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| OPTIONAL EQUIPMENT & CONTENTS |
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This provides coverage for direct loss or damage to your supplies and equipment, furnishings, improvements and betterments, signs and non-structural glass due to theft, fire, vandalism or other covered causes (subject to actual policy terms and conditions). You must insure the full replacement cost of all of your equipment and contents to avoid a co-insurance penalty at the time of loss.
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| Replacement Cost Value |
Deductible |
Premium |
Minimum Premium |
| $1 - $10,000 |
$250 |
Replacement Cost Value X .03 |
$100 |
| $10,001 - $100,000 |
$1,000 |
Replacement Cost Value X .026 |
$100 |
| $100,001 and Up |
$2,500 |
Replacement Cost Value X .026 |
$100 |
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| OPTIONAL MEDICAL PAYMENTS FOR PARTICIPANTS COVERAGE |
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This coverage pays the medical and dental expenses incurred by a "participant" when an accidental injury occurs while participating in fitness or exercise activities at the insured’s owned/operated locations. “Participant” means any person practicing, instructing or participating in any physical exercises or games, sports or athletic contests. Participant does not include any compensated member of your staff, including employees and independent contractors. The coverage is provided on an excess basis, responding after all other medical coverage available to the participant has been exhausted. If no other medical coverage exists, the coverage becomes primary. A $100 corridor deductible applies to each claim and the benefit period is two years from the date of the accident.
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| Limit |
Deductible |
Rate |
Minimum Premium |
| $5,000 (per claim) |
$100 (corridor deductible) |
$10.00 (per participant) |
$1,000.00 |
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| Please See Application For A Complete Coverage Description |
Risk Management
Click Here For Free Articles And Reports On How To Protect Yourself Against Devastating Injuries and Lawsuits In Your Health Club! |
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