Who asks for what
| Who | What they usually want to see |
|---|---|
| Landlord | GL with additional insured, property on improvements and equipment, workers' compensation, umbrella in larger buildings |
| Franchisor | The franchise schedule: GL with participant coverage, professional, property, workers' compensation, EPLI, umbrella |
| Schools, parks and municipalities | GL and abuse and molestation coverage naming them for programs on their property |
| Equipment lender | Property coverage with the lender as loss payee |
How to check what you already have
- General liability forms. Search for "athletic participants" or "participants" exclusions. If present without a buy-back, members are not covered.
- Professional liability. A separate policy or an instruction endorsement on the GL.
- Property. Business personal property limit compared with the replacement cost of your equipment and flooring; business income included.
- Workers' compensation. Trainers on the payroll estimate; states listed where you operate.
- Abuse and molestation. Named on the dec page with its own limit if you train minors.
What usually goes wrong
- A standard BOP bought online that excludes participants.
- Contractor trainers reclassified at audit.
- Outdoor and off-site classes outside the policy's territory.
- Youth programs without abuse and molestation coverage.
Renewal timing
Membership growth changes revenue and payroll, and both drive premium at audit. Update the wallet's size figures, compare sixty days out, and if you have added classes for minors or off-site training, say so.