Every year, our company conducts an in-house analysis of the types of liability insurance claims we have experienced from the prior year. We categorize various incidents by cause of injury and calculate the estimated or actual monetary value of the claim. As you can imagine there are several “types” of liability claims that can occur …
Member Malfunction: How to reduce this #1 insurance claim. Read More »
1. Lack of Appropriate Certifications Many personal trainers train “casually” as a side income. Whether training friends, family or others, a training certification from a reputable agency is a must. Getting your certification means you have undergone the study necessary to safely administer exercise to your clients. Should a lawsuit be filed against you, you …
7 Mistakes Personal Trainers Make That RAISES Their Liability Risk Read More »
You see them in airports, shopping malls, municipal buildings, and movie theatres. The Automated External Defibrillator (AED) is an amazing life saving device that has become a standard in many public gathering places. AED’s have already proven that anyone can save another person’s life…with little or no training. When someone experiences cardiac arrest, the chance …
I can’t believe the end of the year is upon us. This typically is a good time to start outlining your business plan for the coming year. You will probably be setting your sales goals, equipment purchases, or even considering an expansion or acquisition of another club. This is also a very good time to …
One of most frequent subjects for debate in the health club industry involves the discussion of employee vs. independent contractor. Many club owners attempt to reduce their exposure of employment related costs and potential liability, by utilizing independent contractors rather than have employees. This is very common with personal trainers and group exercise instructors. There …
Are My Trainers Employees or Independent Contractors? Read More »
According to health club industry statistics, over half of all health clubs (excluding circuit training facilities) provide day care service for their members. Although we readily use the term “day care” we really are referring to “child sitting” when describing this service. Day Care Centers are typically subject to strict operational and educational protocols associated …
Determining the proper amount of property insurance coverage can be tricky. Most club owners know how much they paid for their equipment when they opened the doors. They also know that they (or their landlord) spent a certain amount on the construction of the club or their tenant improvements (build out costs). Even though most …
How do you determine the correct amount of property insurance? Read More »
I realize that the title of this article will be met with a collective “duh” response. It is sort of like; “Lose weight through sensible eating and exercise”. So although the title is simplistic and vague, I would hope that you would continue to read the content. Hopefully, one or more of the steps toward …
Insulate yourself from lawsuits by improving Customer Service Read More »
I have some bad news 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 won’t protect you. If you have read any …
HOW TO KEEP FROM GETTING SUED – BY YOUR EMPLOYEE! Read More »
Probably the most important step to establishing a risk management system for health clubs is making sure that you keep it simple. Club policies and procedures not only have to be consistent, they have to be easy to implement. Whenever I am speaking at a health club seminar I ask the club owners and managers …
Suit-Proofing Your Club: 2 Solutions- Education and Documentation Read More »
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