Health and fitness broadening endorsements| �� Insurance Group

Health and fitness general liability broadening endorsements

CGL broadening endorsement 421-2915		CGL enhancement endorsement �� health and fitness 421-2920
Coverage	Limits	Coverage	Limits
Additional insured by contract, agreement or permit	Included	Additional insured �� club or facility members	Included
Additional insured �� primary and non-contributory	Included	Additional insured �� subcontractor —aerobic instructors, massage therapists, and personal trainers	Included
Blanket waiver of subrogation	Included	Aggregate limit per location	Included
Bodily injury redefined	Included	Alienated premises	Included
Broad form property damage �� borrowed equipment, customers goods and use of elevators	Included	Broad form named insured	Included
Knowledge of occurrence	Included	Incidental malpractice (employed nurses, EMTs and paramedics)	Included
Liberalization clause	Included	Personal injury �� broad form	Included
Medical payments �� increased reporting period	Included	Property damage legal liability �� Broad form �� Fire, lightning, explosion, smoke and leakage from fire protection systems damage Limit	$1,000,000
Newly acquired or formed organizations �� covered until end of policy period	Included
Non-owned watercraft	51 feet
Supplementary payments increased limits �� Bail bonds �� Loss of earnings per day	$2,500 $1,000
Unintentional failure to disclose hazards	Included
Unintentional failure to notify	Included

CGL broadening endorsement 421-2915		CGL enhancement endorsement �� health and fitness 421-2920
Coverage	Limits	Coverage	Limits
Additional insured by contract, agreement or permit	Included	Additional insured �� club or facility members	Included
Additional insured �� primary and non-contributory	Included	Additional insured �� subcontractor —aerobic instructors, massage therapists, and personal trainers	Included
Blanket waiver of subrogation	Included	Aggregate limit per location	Included
Bodily injury redefined	Included	Alienated premises	Included
Broad form property damage �� borrowed equipment, customers goods and use of elevators	Included	Broad form named insured	Included
Knowledge of occurrence	Included	Incidental malpractice (employed nurses, EMTs and paramedics)	Included
Liberalization clause	Included	Personal injury �� broad form	Included
Medical payments �� increased reporting period	Included	Property damage legal liability �� Broad form �� Fire, lightning, explosion, smoke and leakage from fire protection systems damage Limit	$1,000,000
Newly acquired or formed organizations �� covered until end of policy period	Included
Non-owned watercraft	51 feet
Supplementary payments increased limits �� Bail bonds �� Loss of earnings per day	$2,500 $1,000
Unintentional failure to disclose hazards	Included
Unintentional failure to notify	Included