Articles

A Health Club Training Routine for Effective Risk Management

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The one thing I emphasize when establishing a risk management system for health clubs is simplicity.  Club policies and procedures must be consistent and they have to be simple and easy to implement.  This is the foundation for creating effective risk management for any health club business.   Education and documentation are the two building […]

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If You Think You Don’t Need Cyber Liability, Think Again

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In this digital day and age of infinite storage in the cloud and most of the world conducting business via computer and the Internet, any business that thinks they don’t need cyber liability coverage needs to be aware of the cold hard facts. Consider the following: In 2014, according to the non-profit Identity Theft Resource […]

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Does your club have an AED yet?

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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 […]

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24 Hour Key Access Clubs and Anytime Fitness

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There is a misconception in the health club industry surrounding the overall safety of 24 hour “key access” clubs. As a 25 year insurance specialist in the health and fitness business, I would like to set the record straight as to the claims experience and risk management history of these key access facilities and particularly […]

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Are My Trainers Employees or Independent Contractors?

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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 […]

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Child Care – Do You Really Know the Risks?

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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 […]

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How do you determine the correct amount of property insurance?

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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 […]