Are you still having Treadmill Accidents?

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Every time I see a claim involving a treadmill accident, I sometimes find myself reminiscing about a cartoon that I use to watch when I was a kid. I don’t know how many of you remember the Jetson’s, but at the beginning of every cartoon, George takes his dog, Astro, for a walk. In the Jetson’s futuristic world, there are no running paths or parks, so George and Astro get on a treadmill located on the balcony and begin their exercise routine. As luck would have it, a cat jumps on the treadmill in front of Astro and the chase […]

Risk Management – Video Surveillance Systems

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“Big Brother” is watching and it may not be such a bad thing. Due to improved technology, video security systems have become an increasingly cost effective method for reducing claims and managing risk. Although most of us are a little apprehensive about the idea of being watched or becoming a subject of surveillance, it has become an accepted and important business tool; especially in the health club industry. At some point, in the near future, video security systems will become the standard rather than the exception in our industry. Many health clubs already utilize video surveillance to control losses. From […]

LIABILITY INSURANCE FOR TRAINERS AND GROUP X INSTRUCTORS.

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Why do Personal Trainers and Group Exercise Instructors need their own insurance coverage? I know it may sound like a simple question with a simple answer, but you would be surprised at how many certified personal trainers and group exercise instructors choose not to carry their own liability insurance protection. There are three main reasons why these individuals choose to go “bare”. Many part time instructors go without insurance protection because they feel that by teaching only a few classes a week, the cost to be insured doesn’t make sense. Trainers and Group X instructors who are working as “independent […]

How to make your “Waiver” worth more than the paper it’s written on.

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As a club owner, it is not a question of “if” you will be sued; it is a question of “when”. Unfortunately, we live in a society that encourages litigation when a member is injured at your club. Even if there is no negligence on the part of the club, ambulance chasing attorneys are lining up at the front door ready to take you on. The harsh realty is that no matter how safe your health club is, if you stay in business long enough, you will be involved in litigation with a member. The time to start your defense […]

What Insurance Coverage Do I Need For My Club?

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Purchasing insurance coverage for a health club, as many of you know, is not the easiest or most pleasant task an owner faces today. Deciding what type of insurance protection you need is only part of the exercise. Finding a reputable broker who can place your protection with a solid insurance company at a reasonable premium is also difficult, especially in today’s insurance environment. Local agents, who do not specialize in the health club market, may have difficulty securing insurance coverage on your behalf. Many times the only access the local agent has to a competitive and comprehensive insurance package […]

HOW TO KEEP FROM GETTING SUED – BY AN EMPLOYEE?

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I have some bad news for us as club owners. The next claim or lawsuit you will experience will very likely come from your own employee. The new hot issue for attorneys this year is “employment” related law. Now for the really bad news; your workers compensation and liability insurance probably won’t protect you. If you have read any of my previous articles, you already know that I am not a big fan of the American Bar Association. Litigation in this country is running rampant and too many people have adopted the battle cry, “It’s not my fault”. Whether it […]

Women Health Clubs – An attorney’s delight!

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I am continually amazed at the cunning and the creativity of certain members of the Trial Lawyers Association. Apparently, there hasn’t been enough action in California these days. Bus accidents must be down and people apparently have stopped spilling hot coffee in their laps. What is a civic minded attorney to do? Fear not ye champions of justice, for your brethren have discovered a new path of riotousness. The have taken up the mighty pen and have filed lawsuits designed to vindicate the poor down trodden American male who dreams of working out in a women only health club environment. […]

LIABILITY INSURANCE FOR YOGA INSTRUCTORS

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Why do Yoga Instructors need their own insurance coverage? I know it may sound like a simple question with a simple answer, but you would be surprised at how many yoga and Pilates instructors and personal trainers choose not to carry their own liability insurance protection. There are three main reasons why these individuals choose to go “bare”. Many part time instructors go without insurance protection because they feel that by teaching only a few classes a week, the cost to be insured doesn’t make sense. Yoga instructors who are working as “independent contractors” are also led to believe that […]

You are being sued…you just don’t know it yet.

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Your defense begins with If there is one thing that I like about establishing a risk management system for health clubs, it is simplicity. Club policies and procedures not only have to be consistent, they have to be simple and easy to implement. Whenever I am speaking at a health club seminar I ask the club owners and managers to come away with only two thoughts on how to control claims; education and documentation. Granted, the terms “education” and “documentation” are relatively vague, but they are the foundation for creating effective risk management for any health club business. Education is […]

Your’re Gone….What Now?

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I find it amazing as I travel the country interacting with club owners and with most entrepreneurs, for that matter, there are two things that are universally shared. One: We all know that someday we will die. Two: We all act as though we will live forever. It truly is a contradiction in philosophy and very few people actually sit down and address this anomaly head on. We can’t really blame ourselves for avoiding a morbid and negative subject such as DEATH. However, for the loved ones and business partners that we leave behind, not dealing with this issue can […]