COMPREHENSIVE PROGRAM DESIGNED FOR ADAGIO PURCHASING ALLIANCE MEMBERS
As the Insurance Broker of choice for Fitness Clubs and Professionals across the country, Stevenson & Hunt understands the risks, exposures and needs of the Fitness & Dance Industry. Outlined below are the coverage options included in our program; standard liability limits are $2,000,000 unless otherwise indicated.
Be prepared – complete our quick and easy online application today to protect you from those exposures specific to fitness & dance studio operations.
Please contact us if you have any questions or concerns about the coverage options below.
COMMERCIAL PROPERTY
- Commercial Property provides protection for dance studio buildings, equipment and contents.
- Coverage extends to owned or rented studios and includes coverage for equipment and contents located in the Studio or being used offsite at an exhibition or competition.
BUSINESS INTERRUPTION (LOSS OF INCOME & EXTRA EXPENSE)
- Business Interruption provides protection for a loss to income resulting from a temporary interruption to business as a result of an insured peril, such as fire or water damage.
COMMERCIAL GENERAL & PROFESSIONAL LIABILITY
- Commercial General Liability (CGL) provides protection against claims of bodily injury or property damage as a result of your unintentional acts that do not arise from performing professional services.
- CGL is provided at your studio and is extended to all of your organization’s events, exhibitions and competitions.
- Professional Liability, also referred to as Errors & Omissions Liability (E&O), acts as a complement to your General Liability policy, providing coverage for the economical consequences of rendering or failing to render your services as a Certified Dance Instructor.
- CGL and E&O extend to your business operations and to your instructors while teaching for your studio.
ABUSE LIABILITY
- Abuse Liability covers you for expenses in relation to claims of physical and sexual abuse.
- $50,000 liability limit for defense costs.
- Higher limits and broader Abuse coverages are available (subject to the completion of an Abuse Application, please contact us if you are interested.
INCIDENTAL MEDICAL MALPRACTICE
- Incidental Medical Malpractice provides coverage for the legal responsibility of non-medical personnel against claims for providing or failing to provide incidental medical services e.g. First Aid.
TENANT’S LEGAL LIABILITY
- Tenant’s Legal Liability covers you against claims of damage due to fire or other covered losses caused by your negligence to premises that you rent. This coverage does not extend to contents or stock.
PERSONAL & ADVERTISING LIABILITY
- Personal & Advertising Liability covers you for certain unintentional offenses you commit in the course of your business, such as libel, slander, disparagement, or copyright infringement in your advertisements.
