Ken Reinig, speaker and health club insurance expert relates a real life tale with a grim ending to help club owners make sure they have the correct liability coverage for events both on and off premises.
Lakewood, Co: July 22, 2016– Ken Reinig, well-known risk management specialist, posted a new article on his website entitled “A Grim Health Club Insurance Tale For Owners to Remember.” It can be devastating to a club to get caught in an unexpected gap of insurance coverage, which Mr. Reinig clearly relates in his most recent article.
Reinig goes into a well-established fairytale mode writing, “Once upon a time, an aerobics instructor at a health club took her class participants on a surprise jog around a nearby park.” He continues adding, “It was a beautiful day and she thought the fresh air and scenery would be a nice change of pace from the club. Everyone in the class agreed, so off they went!”
Of course every tale is fraught with danger, and according to Reinig, this one is no different. He writes, “During the run, one of the members tripped, fell and fractured her wrist. As fate would have it, the member had no health insurance, which motivated her to hire an attorney who went on to sue the club.”
This tale does not have a happy ending for the club. Reinig states, “The club owner’s insurance policy contained a “designated premises” endorsement. In other words, since the injury did not occur at the location listed on the policy the claim was denied by the insurance company.”
According to Reinig, “The moral of the story is this: If you want to give your trainers and instructors the freedom to be spontaneous and take members out of the club environment for any kind of training, you must have specific liability coverage for off site activities. In addition, to further protect the club from litigation, you should have the members or participants sign a “special event” waiver prior to leaving the club for the specific event or training.”
The entire article can be read at https://theinsuranceguy.com/a-grim-health-club-insurance-tale-for-owners/
Learn more about Ken Reinig at theinsuranceguy.com
About Ken Reinig:
The fitness industry’s leading risk management specialist, Ken is the past president and founder of Association Insurance Group and has been insuring health clubs, instructors, and personal trainers for over 20 years.