When evaluating an insurance policy, you'll often see two key limits: per occurrence and aggregate limit.

• Per Occurrence Limit: This is the maximum amount your insurer will pay for a single claim or incident. If your policy has a $1 million per occurrence limit, that means for each covered claim, the insurer will pay up to $1 million.
• Aggregate Limit: This is the total amount your insurer will pay for all claims within the policy period (usually a year). If your policy has a $2 million aggregate limit, once all claims in that period reach $2 million, no further claims will be covered.

For example, if you have a $1M per occurrence / $2M aggregate policy:

• A single claim for $1M is fully covered.
• If you have three separate $1M claims in a year, only the first two are covered (reaching the $2M aggregate), and the third would be out-of-pocket.

Understanding these limits is crucial for businesses, as they determine how much protection your policy provides against multiple claims.

This confusingly-named coverage is part of your General Liability policy. It protects you from customer lawsuits alleging property damage or injury due to your product or completed service. For gym owners, this coverage is relevant if you sell fitness equipment, supplements, or other products to members, for services like personal training sessions, fitness classes, or equipment installations. Coverage extends beyond the immediate use of your gym, protecting you from claims that may arise weeks or months later.

Products-Completed Operations coverage is a key part of your General Liability policy that protects your business from lawsuits alleging injury or property damage caused by your products or completed services. For gym owners, this coverage is especially important if you sell fitness equipment, supplements, or other products, or if you provide services like personal training, group fitness classes, or equipment installations. Unlike general premises liability, this coverage extends beyond the immediate use of your gym, protecting you from claims that may arise weeks or even months after a product is sold or a service is completed.

Included in your General Liability policy, Personal & Advertising Injury coverage protects your business from claims related to non-physical injuries, such as defamation, copyright infringement, or privacy violations. This could include accidentally using another gym’s slogan or logo in advertising, making comparative statements that could be seen as defamatory, or improperly using someone’s likeness in promotional materials. This coverage helps safeguard your business from costly legal disputes arising from advertising and communication practices.

Yes, SAM coverage is a crucial part of your General Liability policy, especially if you operate a gym that offers jiu-jitsu or other close-contact sports. It provides protection against claims of sexual misconduct, which can be financially and reputationally devastating—even if allegations are unfounded. Coverage limits can vary significantly between policies, so it's important to review your quote carefully and compare options to ensure you have adequate protection.

Coinsurance is an insurance industry "gotcha" that only benefits the insurance company, not you. An 80% coinsurance clause requires you to insure your property for at least 80% of its total replacement cost. If you don’t, your claim payout will be reduced, leaving you on the hook for a large portion of the loss.

For example, CrossFit RRG policies have an 80% coinsurance clause, meaning you'll only get 80% of your total insurable value from a claim—or even less if your property values are listed below a certain limit. This can lead to major financial shortfalls when you need coverage the most.

Coinsurance clauses are one of the top reasons gym owners report bad claims experiences and switch providers. They add unnecessary confusion and risk, all while protecting the insurer—not you. Skip the headache and choose a policy without coinsurance. It offers you zero benefit.

Our policies typically do not include Accident Coverage. This is a standalone policy often offered by non-gym-specialized insurers. Unlike Medical Payments coverage, Accident Coverage provides broader protection, covering medical expenses, rehab costs, loss of income, and sometimes legal fees.

We generally only recommend this coverage for gyms with a primarily youth-based membership since injuries among children tend to be more frequent. However, if you believe this coverage is necessary for your facility, we can offer it separately. Our agents are happy to assist in finding the right solution for your needs.