Swim Club Insurance

General Liability – up to $1 million per occurrence / $3 million aggregate

• Premises & Operation – available to policy limits
• Professional Liability – available to policy limits
• Products & Completed Operations – available to policy limits
• Fire Legal – available to policy limits
• Personal & Advertising Injury – available to policy limits
• Employees & Volunteers as Automatic Insureds

Additional Coverages Included

• Abuse and Molestation – with Defense outside the limits
• Health Club Professional Liability for advising members on fitness or nutritional needs
• Child Care Professional Liability for rated and licensed child care operations
• Sports Participant Legal Liability – if injured participant sues organization despite signing a waiver
• Medical Payments to child care students – at special limits
• Medical Payments – included to $5,000 (higher limits available)
• Membership Discrimination – $2,500 limit

Additional Coverages Available

• Excess Sports Medical Payments – available to sports participants on limited basis – $2,500 limit
• Tanning Operations, including Professional Liability
• Massage Operations, including Professional Liability
• Property
• Business Income – no waiting period or deductible (actual loss sustained)
• Equipment Breakdown fro electrical and mechanical systems malfunction
• Commercial Auto
• Crime
• Umbrella – up to $10 million
• Employee Benefits Liability – claims made to $1 million
• Employment Practices Liability – $100,000 limits, higher limits available
• Directors & Officers (not-for-profit)

Note: All coverages may not be available in all states.