Umbrella Liability Insurance for Health Clubs
Available from Club Insurance - A Markel Company
Umbrella liability insurance, also known as excess liability insurance, is broad coverage that protects you beyond the normal liability limits of standard home or auto insurance policies, and covers you for a higher amount against unpredictable risks.
Our umbrella insurance plans work hand in hand with your club’s current policies to provide additional coverage for bodily injury and property damage, as well as other threats not covered under your regular policy. Because your current business property or auto policy may contain different limits than the coverage of your neighbor across the street, no one liability limit works for everyone.
No matter where your club is located, Association Group Insurance can ensure that your custom umbrella plan extends your limits only as much as you actually need and no more.
Who needs an umbrella insurance plan? Just about any health club with physical assets. You may have a good property owner’s policy, for example, but what happens should someone sue you over an accident that happened in your facility and the suit amount exceeds the limits of your policy? Who picks up the tab? You do…unless you have an umbrella plan.
Likewise, what happens if, as the result of an auto accident involving one of your company-owned vehicles, you’re sued for more than the limits on your auto insurance? Who picks up the tab? You do…unless you have an umbrella plan.