|
|
 |
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 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.
|
|
| INELIGIBLE OPERATIONS |
|
|
|
| • |
24 Hour Keycard/Keypad/Keycode Access, Unattended/Unstaffed Operations |
| • |
Ice Skating/Roller Skating/Blading |
| • |
Medical Services |
| • |
Martial Arts Classes |
| • |
Nutritional/Weight Control Services |
| • |
Physicals/Stress Testing |
|
| • |
Swimming Pools/Hot Tubs/ Whirlpools/ Jacuzzis/Cold Plunge |
| • |
Massage Therapists/Masseuse |
| • |
Saunas/Steam Rooms |
| • |
Salon Services/Tanning |
| • |
Sports Rehabilitation Services/Therapy |
| • |
Training of Law Enforcement, Public Safety and Military Personnel |
|
|
|
|
| LIMITS OF LIABILITY AND PREMIUMS |
|
| |
Option 1 |
Option 2 |
| General Aggregate |
$2,000,000 |
$2,000,000 |
| Products/Completed Operation Aggregate |
$1,000,000 |
$2,000,000 |
| Each Occurrence |
$1,000,000 |
$2,000,000 |
| Personal & Advertising Injury |
$1,000,000 |
$2,000,000 |
| Legal Liability To Participants |
$1,000,000 |
$2,000,000 |
| Professional Liability |
$1,000,000 |
$2,000,000 |
| Damage To Premises Rented To You |
$300,000 |
$300,000 |
| Medical Expense (other than participants) |
$5,000 |
$5,000 |
| Premium: Rate Per $1000 Of Annual Sales |
$7.00 |
$10.50 |
| Minimum Premium: |
$1,000 |
$1,500 |
|
|
|
* Rates are available from 12-01-07 to 11-30-08
** There is no charge for Additional Insureds.
*** Notice to Agents & Brokers: There are no commissions included in this program
|
|
INSURANCE CARRIER
Coverage is provided by a carrier rated A+ (superior) by AM Best.
|
|
| OPTIONAL EQUIPMENT & CONTENTS |
|
| Replacement Cost Value |
Premium |
| Less than $4,000 |
$100 |
| More than $4,000 |
Replacement
Cost Value x $.025 |
* $1,000 Deductible, you must insure to full Replacement Cost Value, Coverage
unavailable in NJ |
|
|
| 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! |
|
|
|
|
|
