PERSONAL ACCIDENT PROTECTION FOR YOUR MEMBERS
Personal / Player Accident insurance cover generally has the option to include a group income protection for all members as well. This is particularly convenient if you just want to cover your members for medical and permanent disability without the income protection. It means you can scale the extra support for your members based upon the budget you want to allocate to the policy.
Professional instructors / coaches know the risks of not having the right insurance and how a serious student injury could impact on their school and indeed their own assets. Those instructors that just want insurance to get access to a venue (Public Liability), either are not aware of or are not concerned about the greater risks of litigation they could be exposed to without it.
ACCIDENTS DO HAPPEN IN MARTIAL ARTISTS TRAINING AND SOME PEOPLE NEED SUPPORT IN MEDICAL EXPENSES / TIME OFF WORK
An injured student may not want to sue the operator by trying to prove negligence, they often just want some support with medical bills and some loss of wages. A player / personal accident policy is perfectly positioned here to offer financial support without having to go through the lengthy litigation process to win compensation. Its not a catch all, but it does it does provide a substantial amount of support, so it's a policy you should consider as a martial arts school owner.
Player Accident / Personal Accident often comes with Income Protection. This extra cover allows students who are injured to receive a benefit otherwise not covered under their standard Medicare or Private medical insurance.
Just want the basics? -
Public Liability Insurance
Personal Accident Insurance covers you and your members in case of accidental injury, disability and/or death. This insurance may also provide lump sum benefits due to death or permanent disability from accidental injury and weekly benefits for temporary disablement due to accident, injury or sickness.
THAT EXTRA LAYER OF PROTECTION - PERSONAL INJURY INSURANCE
How it covers you:
# Personal accident, lump sum payment for accidental death or permanent disability
# Broken bones payment for accidental injury
# Weekly benefits payment for temporary total disablement
# Weekly benefits are payable for up to 104 weeks after the accident
# Employee or self employed are both eligible
If you haven't considered Personal Injury Insurance speak to your broker today. You can pass on the costs to your members and give them that extra peace of mind. Members gaining access to this support without having to sue the school / gym, means less interruptions to your business. Club owners have told us that their members are more likely to return to training and be very grateful to the gym / club.
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Fitness / Health Clubs Fitness Studios and Gyms can obtain both the general operations insurances such as – public, products, management and civil (professional indemnity) with their property, contents, glass, burglary and business interruption.
Some Gyms have actually incorporated martial arts classes and other activities (not just group fitness elements) which have created some confusion in whether they are covered. The martial arts section has either not been covered at all, or owners have had to source a second policy specifically for it. If the gym can segregate the martial arts classes under a separate membership and specific location, it can work with a separate policy. There are however grey areas in coverage with gym members dropping into martial arts classes, but this can be all eliminated with one unique combined policy that we can source for you.
There is an insurance solution that incorporates the activities of a gym / health club and a martial arts academy with liability / property / contents all through the one company.
Individual martial arts schools and associations can arrange an individual club or multi branch package. The same goes for gym chains, they can negotiate a group package that covers all the facilities. Unsupervised training / workouts right up to 24/7 gyms, need to conform with the industry standards for security and safety of members. Not sure what's required, ask one of our brokers.
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Martial Arts Australia Insurance Services ABN:31632785329
AR 001283262 Corporate Authorised Representative of
United Insurance Group Pty Ltd ABN 31 131 564 522
Australian Financial Services License: AFSL 327131
Suite 306, 365 Lt Collins Street Melbourne Vic 3000
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Office: Unit 6 / 12 Henderson Road Knoxfield, VIC
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Mon - Fri 8.30am - 6.00pm
Sat 9.00am - 2.00pm
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03 8201 9908
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0451 331 958
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Martial Arts Insurance: Melbourne, Sydney, Brisbane, Perth, Adelaide, Canberra, Tasmania, Darwin.
Gym / Fitness Insurance: Brisbane, Perth, Adelaide, Canberra, Melbourne, Sydney, Darwin, Tasmania.
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This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.
For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements available from the links above:
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