Public Liability

PUBLIC LIABILITY - FITNESS CENTRES

Running any type of fitness business which may include just being a personal trainer (PT) or a small studio to a large commercial gym / health club.
The bigger the facility and more branches you have, the more detail you should go into when discussing insurance.
Do you run a large chain of gyms / health clubs? We would love to chat because just one small adjustment, can make a big difference when you multiply it.
The same goes for Martial Arts Associations and Sporting Clubs, we specialise in putting together group packages across all insurances.

PUBLIC / PRODUCTS LIABILITY Most people feel this insurance is the first line of defence for their business when this is not true.


Applying the appropriate risk management strategies and polices to prevent an incident is the first thing to secure. Next is using an appropriately worded waiver form which can strengthening your defence in a claim. This is before you arrange your fitness insurance.


What level of liability do you need?
There are industry standards that professional bodies will recommend, but ultimately you will make that decision on the level of cover you require. The venue / landlord may specify a minimum limit of 10mil or 20mil Public Liability. According to our client base, around 20% of the fitness / martial arts businesses end up with the higher cover.


The Public Liability cover for Martial Arts Schools is different to Gyms / Fitness PT Studio insurance because of the diverse range of activities and equipment used. Martial Arts schools / clubs require a specific type of cover to include what is termed as 'participation' and this relates to members partnering up (sparring including full contact). This starts from pre-arranged techniques, to semi contact and right up to full contact sparring.


The insurers that work in this space generally include all types of martial arts and combat sports such as these mainstream ones: Kickboxing, Muay Thai, Taekwondo, Karate, Kung Fu, Mixed Martial Arts (MMA), Brazilian Jiu Jitsu (BJJ), Aikido, Hapkido, Tang So Do, Kempo, Iaido, Ninjutsu, Kendo, Wushu, Tai Chi, Judo, Silat, Boxing, Krav Maga, Defensive Tactics etc.


What is important to know is each martial arts code has a risk rating attached to it. This becomes more important when a school introduces a new style that maybe rated as a higher risk by the insurer. All you have to do is let the broker know what you teach now and what you may do in the future. This way we can make sure you are covered for all the activities you provide and there is no potential issue in the event of a claim.

The industry standards for martial arts operators is as follows:

10mil Public Liability 10mil Products Liability and 5mil Professional Indemnity although 20mil PL is being requested more by venue hire facilities to teach and shopping centres to perform demonstrations.


All liability insurances are subject to limits on the amount payable and many have an excess also known as a deductible, which is deducted from the amount paid to the insured. It is common for there to be an excess of $1000 - $5000 depending on the policy but you can have the option of a nil excess which increases the premium.


WANT TO KNOW MORE ABOUT PERSONAL INJURY INSURANCE?
DO YOU LEASE A BUILDING AND WANT TO COVER YOUR CONTENTS?

WHAT IS THE MOST EFFECTIVE
MARTIAL ART?

TAEKWONDO VS KUNG FU

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