HEALTH, FITNESS & WELLNESS
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Benefits of this Program
General Liability
• Comprehensive General Liability - limits to $1M per occurrence/$3M aggregate
• Premises Liability
• Special Events coverage outside the club is included for the entity and professional instructors or consultants
• Personal Injury Liability
• Coverage extended to contracted professionals for additional premium
• Employee Benefits Liability
• Coverage for tanning available
• Liquor Liability coverage available
• Abuse or Molestation coverage available
Professional Liability
• Health, Fitness, and Wellness Professional Liability coverage form - limits available up to $1M per professional incident and $3M aggregate
• Coverage extended to entity and employed professionals including lifeguards, racket sports instructors, aerobic and fitness instructors
Property
• Blanket limits with large in-house capacity
• Coverage extended to include property of customers in your care, custody, or control - $10,000
• Coverage for outdoor pools and court surfaces
• Spoilage - $25,000
• Signs (attached or unattached) - $25,000
• Precious metals, including trophies - $5,000
• Business income and extra expense - $100,000
• Pollutant clean-up and removal - $25,000
Umbrella/Excess Liability
• Large Excess Limits available
Automobile
• Owned/non-owned/hired auto
• Hired car physical damage
• Rental Reimbursement for private passenger vehicles
Crime and Fidelity
• Theft, Disappearance, and Destruction - $10,000
• Forgery or Alteration
• Employee Dishonesty