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F.A.Q. - Fitness Clubs Search


  Does your policy cover injury to sport participants?
  Can you offer cover for tanning beds?
  Can you cover coaches, referees and other volunteers.
  Can you cover independent instructors and personal trainers?
  Why should I buy insurance from Elliott Special Risks?
  Do I need an agency agreement to do business with Elliott Special Risks Ltd?
  How do I apply for cover?
  Do you offer package policies including CGL, property and crime covers?
  Are you rates competitive?
  What is your minimum premium?
  Who is your Insurer?
  What policy limits are available?



Does your policy cover injury to sport participants?
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?
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.
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?
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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Why should I buy insurance from Elliott Special Risks?
Our covers are backed up by specialty experience and first-class risk management advice. By comparison, most insurers just don't understand the special needs of sport, leisure and recreation clients.

What's more, our covers are backed up by expert claim handing and litigation defence specialists to promptly and efficiently handle the type of claims generated by this class of business.

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Do I need an agency agreement to do business with Elliott Special Risks Ltd?
We don't require an agency agreement, nor do we have minimum premium volume requirements. Our premium payment terms may be stricter than those of your standard markets.

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How do I apply for cover?
Download the application form from this site, then fax or mail 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?
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?
Our program is competitive in terms of both cover and premium value.

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What is your minimum premium?
Our policy minimum premium is $1,000.

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Who is your Insurer?
Our program is underwritten in-house and supported by CGU Insurance Company, a first class licensed Canadian insurer.

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What policy limits are available?
We offer limits up to $25 million.

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