Buy Now Programs Summary
Medical Expense Benefit
If the Covered Person incurs eligible expenses as the direct result of a covered injury and independent of all other causes, the Company will pay the charges incurred for such expense within 365 days, beginning on the date of the accident. Payment will be made for eligible expenses in excess of the applicable Deductible Amount, not to exceed the Maximum Medical Benefit.
The first such expense must be incurred within 90 days after the date of the accident.
"Eligible expense" means charges for the following necessary treatment and service, not to exceed the usual and customary charges in the area where provided.
Medical and surgical care by a physician
Prescription drugs and medicines
Dental treatment of sound natural teeth
Hospital care and service in semiprivate accommodations, or as an outpatient
Ambulance service from the scene of the accident to the nearest hospital
Orthopedic appliances necessary to promote healing
Excess coverage: This plan does not cover treatment or service for which benefits are payable or service is available under any other insurance or medical service plan available to the Covered Person.
Who Is Covered
This $1,000,000 occurrence form general liability program provides protection for your Operations owners, directors, instructors, and employees against claims of bodily injury liability, property damage liability, personal and advertising injury liability, and the litigation costs to defend against such claims. There is no deductible amount for this coverage. Coverage is offered through the Sports and Recreation Providers Purchasing Group, pursuant to the Federal Risk Retention Act of 1986.
Coverage includes suits arising out of:
Injury or death of participants
Injury or death of spectators
Injury or death of volunteers
Property damage liability
Host liquor liability (nonprofit)
General negligence claims
All activities necessary or incidental to conduct of activities
Cost of investigation and defense of claims, even if groundless
Ownership, use, or maintenance of gyms, fields, or practice areas
Additional Insured parties may be added at no charge. (not including Independent Contractors)
Independent contractors working at your studio can be added as additional insured to cover them while they are instructing at your facility only.
This Inland Marine insurance product provides coverage for your equipment and contents up to the specified limit. Equipment coverage (optional) is provided by Atlantic Specialty Insurance Company, "A" (Excellent) rated by A.M. Best Company.
Hired and Non-Owned Automobile Liability Coverage
This liability coverage provides protection for rented, borrowed and other non-owned vehicles driven on Martial Arts school or studio business.
Excess Liability Coverage
This coverage provides additional liability limits increasing the liability coverage per each occurrence.
This option increases the aggregate limit of liability insurance from $1,000,000 to larger amounts.
Sexual Abuse and Molestation
Liability coverage is provided for claims arising out of alleged sexual abuse and/or molestation.
$5,000 Medical Expense Benefit
This coverage will reimburse an injured spectator or guest for medical and/or funeral expenses incurred as a result of bodily injury or death, regardless of whether you are liable or not.
The General Liability and Accident coverage are provided by U.S. Fire Insurance Company, "A" (Excellent) rated by A.M. Best Company.