What insurance?

Question

If a gym member slips on a wet floor during 'Jim's' (the gym instructor's) shift, what is the appropriate insurance Jim needs in this situation.... professional indemnity or public liability?

Answer 1

comercial general liability. (in the US) sometimes refered to as public liability in other parts of the world.

Answer 2

In England 'Jim' should have both, as both a professional individual and as a business. If 'Jim' is employed as an instructor by a business, then it is in 'Jim's' interest to make sure the business has public liability (min. £500,000 I believe) - otherwise any claim and responsibility will end up being made against him directly. A business employing individuals like 'Jim' have a legal obligation to ensure their staff/employees and the public are adequately covered by insurance - for the protection of the company, the protection of the employee and the protection of the public. Lack of such insurance could result in the business being closed down.

Answer 3

Jim is representing the "company", so what is needed is professional liability (indemnity) insurance, or normal property and casualty insurance (P&C) that covers all people for any injury, (the same type of insurance that indemnifies companies from people who slip on ice on sidewalks leading to the front door).

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Answer 4

The gym's commercial general liability insurance policy should cover that type of loss. If Jim owns the gym, then Jim need the CGL policy. If Jim is an employee of the gym, then Jim doesn't need anything further. He should be protected under the gym's CGL policy.

Answer 5

public liability i would say, (or an accident indemnity policy covering all visitors to the gym) I do not know the laws in USA but here in Switzerland we are all insured against accident through the employers or through the health insurance. In this case the employee's accident insurance would pay primarily, who in turn would regress on Jim's public liabilty policy or his accident indemnity policy.

Answer 6

Technically, it's called general liability - slip and fall coverage. But public liability is the closer term.

Answer 7

public liability

Answer 8

public liability