Do You Know Your Club’s Liability During Off Site Training or Special Events?

Posted Posted in Blog

It’s summertime and the great outdoors is calling to your trainers and members alike. Everyone enjoys spending time exercising and training outside, and health clubs break out of their indoor routines as soon as the weather permits. Many clubs host yoga and fitness classes out of doors as well as running and walking clinics and events. As a club owner, however, you might want to review your insurance coverage, keeping in mind that outdoor events can increase your exposure to liability claims.   You may need to contact your agent to add specific overrides before the club or any of […]

Club Rules: One, Two, Three Strikes You’re Out!

Posted Posted in Blog

It’s bound to happen. You open the doors to your gym and eventually end up with a member that causes problems. Thankfully, it doesn’t happen that often.   There are several solutions to addressing problem members, but the key is that you have to do something. To allow a member to disrupt your facility’s atmosphere sends a clear message to your staff and your members that you have no control over your club.  No one likes confrontation, but if your club is going to be successful, you have to act quickly. One disruptive member can turn into several and before […]

Is Your Club Experiencing a Baby Boom?

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Look around you, what do you see? You may have noticed an increase in the number of pregnancies among your club’s membership. Without question the family market is growing.  Some experts say we may be in the midst of another baby boom, bigger than the one that occurred after World War II. As a health club owner, offering a high-quality childcare program can make a big difference in attracting parents and retaining those parents as members of your club. What parents look for first and foremost at a health club is supervised childcare. What that amounts to is babysitting. The […]

So You Want to Open a 24/7 Key Club?

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24/7 key clubs appeal to a certain type of person. Those whose work does not allow them to workout during normal club business hours as well as those people who prefer to work out on their own are particularly attracted to 24/7 key clubs. These kinds of people are naturally more risk tolerant for starters. As you can probably imagine though, 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 […]

Yoga Instructors Need the Peace of Liability Insurance Protection

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Yoga continues to grow in popularity. It helps relieve stress and helps its practitioners experience greater inner peace. With that being said, I always wonder why so many Yoga Instructors fail to carry their own liability insurance protection.   Most yoga instructors I encounter wonder why they need their own insurance coverage.   Many are part time instructors who feel that by teaching only a few classes a week the cost to be insured doesn’t make sense.  In addition, yoga instructors who are working as “independent contractors” are often led to believe that they are covered under the liability insurance of […]

Make Your Health Club Mantra “Education! Documentation!”

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If you are the owner or manager of a health club or gym, I hope your daily mantra is something along the lines of “Education! Documentation! Education! Documentation!” Keeping those two concepts in the forefront of your mind and keeping your staff practicing them, will keep you and your club in a position of strength and less likely to experience a liability insurance claim. Education is relatively self-explanatory.  The more you and your staff learn about safety, the better. With just a little bit of effort, you can create an atmosphere that promotes a safe workout environment and improves customer […]

Join The Club and Protect Your Club with Cyber Liability Coverage

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Today, any health club that does business without cyber liability insurance coverage is has an invisible weakness. If that weakness becomes exposed as the result of a security breach it could be devastating. We live in a digital world where crimes are committed in cyber-space.  Cyber Liability coverage protects your club from breaches in security of private client information and inadvertent HIPAA violations.  Cyber Liability coverage also extends to the personal information of your employees.   Here a few examples of what Cyber Liability Insurance covers and how it can protect your club: Suppose member information was on one of […]

Keeping Your Club Fit

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Happy New Year!  And happy new clients – all running in to get fit and healthy in the first week of January.  Which means every single one of them runs the risk of injury. The way you can help your new clients become life-long clients, and help your club to maintain its safety record is with the education and documentation.  Club policies and procedures not only have to be consistent, they have to be easy to implement as they foundation for creating effective risk management for any health club business. Start with an orientation — as part of the sales […]

Give Yourself the Gift of Peace of Mind

Posted Posted in Blog

Last year at this time, Target was hit by a major cyber attack. This is the time of year when people are most vulnerable to attack, and so is your business. People are buying gift certificates and memberships for family and friends and doing more online.  Hackers are aware of the increased activity and they are looking for the most vulnerable.  Don’t be among those vulnerable to attack, and if you are breached, be prepared by being covered. I’ve said it before that cyber liability is a new frontier that each and every club owner needs to consider.  Eight months […]

It’s the Most Wonderful Time of the Year

Posted Posted in Articles, Blog

It’s that time of year again, the time for cyber hacking.  It’s part of the reality of our lives and our businesses.  In a service-oriented business like health clubs, you are collecting data on your clients and customers.  And you may even be doing direct marketing to your customer base through e-mails.  Understanding how you are vulnerable to hackers and protecting yourself with the latest software and an excellent IT team is important, but so is knowing what to do if you have a breach. I’ve said it before that cyber liability is a new frontier that each and every […]