Does your policy cover injury to sport participants?
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| Yes, our cover includes liability for participant and spectator injury as well as other covers such as server liquor liability and incidental malpractice, which are especially important for sport and leisure risks. |
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Can you offer cover for tanning beds?
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| Yes, we offer cover for tanning beds on a claims-made form. We also strongly recommend the use of an appropriate liability waiver for this exposure. |
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Can you cover coaches, referees and other volunteers?
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| Yes, for non-profit organisations, cover may be extended to cover elected officers, referees, coaches and other volunteers. |
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Can you cover independent instructors and personal trainers?
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| Yes, cover may be provided either including or excluding independent instructors and personal trainers. If you do not ask your independent instructors and personal trainers to provide evidence of their own liability insurance, then they may be added by endorsement.
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How do I apply for cover?
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| Download the application form from this site, then email or fax the completed and signed application to us together with any support documentation such as brochures, safety manuals or waiver agreements. Alternatively, we will accept the application of any other major insurer. We can usually deliver a quote within a few days. Although we can quote on the basis of a faxed application, we will require the original signed application prior to binding cover.
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Do you offer package policies including CGL, property and crime covers?
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| Yes, kindly provide details of and such covers required as outlined in our health/fitness questionnaire and we will be happy to quote on a package basis. |
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Are you rates competitive?
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| Our program is competitive in terms of both cover and premium value. |
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What is your minimum premium?
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- Fitness Clubs only: Our policy minimum premium is $1,000
- Sports Leisure & Recreation only: Our minimum premium for a $1,000,000 limit policy is $2,500.
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What policy limits are available?
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| We can provide limits up to $25 million, using our exclusive, in-house facilities. |
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Is your premium flat or adjustable?
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| Our premium can be flat or adjustable. This will depend on various factors such as premium level and exposure. If quoted and bound at an adjustable basis, the premium will be adjusted after year-end, based on your actual sales. The policy may be rated on a per participant or per member basis or other alternative units of risk-measurement. |
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Can you insure a short-term event?
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| Yes - we can provide short-term cover for events such as tournaments, parades or concerts. |
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