Health, Fitness and Racquet Sports Insurance Program
Available to Agents & Brokers in all States
The Club InsurPak Program is exclusively designed for the Health,
Fitness, Tennis and Racquet Sports Industry. This innovative program
was designed to provide club facilities with the superior coverages
and preferred pricing not offered by other Programs.
In business since 1971, Creative Agency Group, located in Holmdel, New
Jersey, is the Program Administrator for this unique National Program
specifically designed for the Club Industry.
Liberty Mutual is the underwriter for the Program and offers
financial stability, excellent claims service, and specialized loss control
Let Creative work together with you or your current agent or broker of choice to provide the superior coverages, preferred pricing, and services necessary to properly insure your Health, Fitness and Racquet Sports Club.
- Custom designed coverage
- Preferred pricing
- No interest payment plans
- Specialized loss control services
- 24-hour claim reporting
- All buildings and all other
structures and personal property covered on a
Blanket basis without coinsurance.
- Coverage for foundations
and underground property.
- Underground water seepage.
- Coverage for fences, signs,
refrigeration systems, tennis courts,
- Personal effects and property of
- Computer hardware and software
- Systems Breakdown coverage for all
mechanical, electrical and HVAC equipment.
- Coverage for newly acquired
equipment up to $500,000.
- Coverage for leased, borrowed, or
- Replacement Cost coverage is
provided regardless of age.
- Business Income and Extra Expense
coverage extended to “Membership Values” inclusive of the unused
portion of prepaid membership fees.
- Actual Loss Sustained coverage.
- Coverage for loss of earnings from
suspended operations, as well as other expenses sustained in order
to maintain normal club operations.
- 24-month period of restoration.
- 180 day extended period of
- Off premises power and utility
failure including overhead transmission lines.
- No waiting period or deductible.
- Money and securities inside/outside
the premises including loss to members and guests on premises.
- Depositors Forgery
- Employee Dishonesty
- Enhanced Comprehensive General Liability.
- Professional Liability is extended to
protect certified professionals such as fitness and aerobic
instructors, tennis instructors, lifeguards, nurses, physical
therapists and dieticians relating to physical fitness and racquet
sports of your operations.
- Persons protected include members and
volunteers for your activities or your activities they perform on your
- Liquor Liability.
- Employee Benefits Liability.
- Sexual Misconduct or Molestation.
- Medical Payments.
- Third Party Liability.
- Non Auditable (when financial statement is provided).
- Fiduciary Liability.
- Commercial Automobile.
- Workers’ Compensation Safety Group.
- Tanning Liability.
- Employment Practices Liability.
- Umbrella Liability.
- Crime, including broader definitions
of employee crime.
- Flood and Earthquake coverage on
building, personal property, business interruption and extra expense.
- Air Structures/Bubbles.
- Personal Auto, Home and Boat
The Preferred Program for Health, Fitness and Racquet Sports Facilities
CLICK HERE FOR OUR CHECKLIST OF REQUIRED ITEMS & FORMS