Ken Reinig - The Insurance Guy

As you can probably imagine, a fitness facility that allows its members to workout anytime they choose poses a unique set of problems during those hours when there is no staff on duty. The insurance industry has struggled with this perceived increase in liability exposure and most insurance companies today will still not offer protection …

Is there anyone at home? So, you are thinking about opening a “key” club. Read More »

SCENARIO #1 Member: “Would it be O.K. if my 13 year old son works out at the gym after school? Club Owner: “Yeah, I guess so, but you’ll have to sign a waiver” Club Member: “How much of a discount can I get?” Club Owner: “We can give you a ‘second member of the family’ …

JUST SAY “NO” Read More »

Do you remember how excited you were when you opened up your health club? Although you were 25% over budget and you opened four months late, you and your staff couldn’t wait to greet the hundreds of new members who would be joining your gym. You thanked each and every person for taking the time …

Friends Don’t Sue Friends Read More »

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 »

A lot has been written lately in the various health club industry publications addressing children’s programming and youth exercise. Children today are in terrible physical condition, as are most Americans. There is no doubt that the physical education departments of our public school systems are not able to counteract the sedentary lifestyle of our television …

Minors in the Club? Absolutely!! Read More »

Association Insurance Group, the health club industry’s leading provider of property, liability, and workers compensation insurance, has recently launched a new web site for personal trainers and group exercise instructors to be able to purchase their professional liability insurance on line. What is unique about this new program is that it not only provides extremely …

Association Insurance Group announces new Trainer/Instructor Insurance Program Read More »

Has your club ever sponsored an event that was held “off site”? Does your club promote group outdoor running classes or bicycle events? Many health clubs and their trainers take their clients out of the confines of club environment. It is a growing trend and it is a great way to break the monotony of …

Off Site Training or Special Events – What are my Liability Issues? Read More »

Owning a health club today is considerably different than it was twenty or even ten years ago. Increased competition for the same market share has forced all club owners to improve their business skills or run the risk of having to close their doors. Owners are constantly looking to not only add more members to …

How To Limit Your Lawsuits By Fine Tuning Your Operating Systems Read More »

The Health Club industry, not unlike most commercial businesses, has experienced significant insurance premium rate increases over the past couple of years. Insurance companies cite several reasons for this trend. The fallout from 9/11 and the declining returns on premium investments are two of the most widely used excuses. What insurance companies won’t tell you …

Why are Insurance Rates going up and What you can do to control Premium Costs. Read More »

Recently, I was touring a club in the Washington D.C. area and enjoyed a great cup of coffee with the owner and one of her managers while we discussed how they currently promote safety in their club. As we toured the facility, I was impressed with the quality, of the signs that were placed throughout …

Sign, Sign, Everywhere a Sign…How to Promote Safety in your Club Read More »