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  Frequently Asked Questions
 

Common to all programs:

 
 

Specific to individual programs:

 

Activity and Social Clubs:

 
 

Concessionaires, Exhibitors & Vendors:

 
 

Dance Instructor:

 
 
 

Entertainers & Performers:

 
 

Exercise/Personal Training Studio:

 
 

Fitness Instructor:

 
 

Gymnastics Schools:

 
 

Health Club-Limited Service:

 
 

 

 

Short Term Special Events:

 
 

Sport Instructor:

 
 

 

 

 

 

Youth Sports Camps & Clinics:

 
   
 
Can I apply for coverage over the phone?
Unfortunately, we are not able to accept your enrollment information over the phone at this time.  You can apply for coverage online or by completing an enrollment form and submitting it via e-mail, fax or mail.
 

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I need to receive a quote from your company, how do I do this?
This program does not offer quotes, as the rates are provided for you within this brochure. Simply complete the premium calculation on page 6 to determine your annual premium and then remit your completed enrollment form with payment to begin coverage. Please note, we cannot bind coverage until the day after we receive both your completed enrollment form and the appropriate payment.
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What is a general aggregate?
This is the maximum amount to be paid out in any policy period for all losses.
 
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How soon does coverage start? When will we receive proof of coverage?
Coverage can be bound the date after we receive a completed enrollment form and the appropriate premium. Please allow adequate time for us to process your enrollment form and issue certificates.
 

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What are certificate requests? How do I complete this section on the enrollment form?
A certificate is a document providing you evidence of insurance. You will automatically receive a certificate providing proof of coverage once coverage is bound. You only need to complete the certificate request section if you have been asked to provide another certificate, to an entity such as the facility where you work.
 

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How do I add another entity or organization as an additional insured to my policy?
You may add an entity as an additional insured under the certificate request section of the enrollment form. Please make sure to check the box in the certificate request area noted "additional insured", and provide their entire name, address and relationship to you.

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Will I receive a policy after I submit the enrollment form?
No. You will receive a certificate of insurance as proof of coverage. Coverage is offered exclusively through Sports, Leisure and Entertainment Risk Purchasing Group (PG). The PG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the PG. Each member receives their own certificate of insurance as their evidence of coverage. The limits of insurance apply individually to each member"there are no shared limits of liability with any other members. A copy of the RPG master policy can be requested in writing to.

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Our club has not held its registration and we are not sure how many members/participants we will have, how should I report my member/participant count?
You will report the maximum number of members/participants according to your projected rosters. You may add additional members/participants at any time by using the Activity & Social Club supplemental form.
 

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Our club is hosting an event involving outside members and/or attendees. Is coverage provided for this?
Coverage would not extend to this type of event or activity. Please contact us for additional information on coverage options available.
 

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Does this coverage follow the members/participants wherever they go to practice or participate?
Coverage will follow the reported members/participants as long as they are participating in covered, sponsored and/or supervised operations/activities of the insured including events or tournaments hosted by other organizations.  Coverage does not apply to the transportation of members/participants.
 

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When should we make our coverage effective?
The effective date is the date you need your insurance to start. If you are renewing annual coverage, use the expiration date of your coverage. Coverage will be in effect for the time period selected.
 

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If we need to request another certificate of insurance for a specific event that we are attending, how do we do this?
A written request from the insured contact is required. There is a certificate request form that will be sent with your original coverage documents that can either be faxed or e-mailed. Please allow adequate time for processing.
 

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I have been asked by the event that I am exhibiting at to add them as an additional insured to my policy. What does this mean?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are the landlord or sponsor. By providing an entity additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You may request an additional insured in the appropriate section of the enrollment form. Please remember to provide the complete name, address and relationship to you. Additional insured requests must be made in writing.

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What is the co-insurance penalty referenced with Equipment and contents (Inland Marine) coverage?
The Equipment & Contents (Inland Marine) policy contains a 100% coinsurance clause. With a 100% coinsurance clause, you are agreeing to accept a penalty if a covered loss occurs and all of your equipment and contents are not insured to their replacement cost value. For this reason, it is vital that the values of your equipment and contents be accurately reported and updated annually to reflect inflation and other increases in cost. If they are undervalued, a coinsurance penalty may be applied at the time of a loss. The penalty equals the difference between the amount of the loss and the amount actually paid by the carrier.

The simple formula used to arrive at the amount to be paid by the carrier is as follows:

"Did" / "Should" x Loss Amount " Deductible = Amount Paid. "Did" = the amount of coverage you did purchase "Should" = The replacement value of your equipment & contents that you should have insured.

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What does the term "replacement cost" value mean with regards to equipment & contents (Inland Marine) coverage?
Replacement cost means that the value of covered property will be based on the replacement coast at the time of loss without any deduction for depreciation. It is limited to the cost of repair or replacement with similar property and used for the same purpose.

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What types of certifications are acceptable?
An acceptable certification or accreditation program is one that establishes standards and guidelines for the delivery of quality and professional dance services as well as the development of ethic statements for dance professionals. An individual will take a series of classes with testing at the end to become a certified professional in a dance program. Normally to maintain certification yearly continuing education classes are required. A few examples of acceptable certifications are: ZUMBA" and BDC.

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I have been asked by the facility that I instruct at to add them as an "additional insured" to my policy. What does this mean and how do I do that?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You can add an entity as an additional insured under the certificate request section of the enrollment form. Please remember to provide their complete name, address and relationship to you. All requests must be in writing.

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I have been asked by the facility/event where I will be working to add them as an additional insured to my policy. What does this mean?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are the landlord or sponsor. By providing an entity additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You may request an additional insured in the appropriate section of the enrollment form. Please remember to provide the complete name, address and relationship to you. Additional insured requests must be made in writing.
 
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Does this policy provide coverage for the owner(s) of the studio and employees (including employed instructors)?
Yes, this policy provides commercial general liability as well as professional liability and legal liability to participants for the studio and any employees of the studio while working on behalf of the studio.
 

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Is coverage under this policy extended to independent contractors (non-employees) working on behalf of the studio?
Independent contractors (non-employees) are covered only if the optional coverage available with this program is purchased. If this optional coverage is not purchased, as a studio owner, you need to require that all independent contractors (non-employees) working at your studio obtain commercial general liability and professional liability coverage naming your studio as an additional insured on their policy. For your protection, you should maintain updated copies of the instructor insurance certificates in your files at all times.

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Does coverage extend to off-site studio operations?
Coverage only extends to off-site operations if the optional coverage available in this program is purchased. Otherwise, coverage is limited to the premises address of the studio location.
 
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I have been asked by my landlord or sponsor to add them as an "additional insured" to my policy. What does this mean?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. By providing an entity additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You may add an entity as an additional insured under the certificate request section of the enrollment form. Please make sure to check the box in the certificate request area noted "additional insured", and provide their entire name, address and relationship to you.
 
   
 
What types of fitness certifications are acceptable to obtain the premium discount?
An acceptable certification or accreditation program is one that establishes standards and guidelines for the delivery of quality and professional fitness services as well as the development of ethic statements for fitness professionals. An individual will take a series of classes with testing at the end to become a certified professional in a fitness program. Normally to maintain certification yearly continuing education classes are required. A few examples of acceptable certifications are: AFAA, ACE, NAFTA, NASM, NESTA, ISSA, Cooper Institute, Yoga Alliance and Stott Pilates.

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I have been asked by the facility that I instruct at to add them as an "additional insured" to my policy. What does this mean and how do I do that?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You can add an entity as an additional insured under the certificate request section of the enrollment form. Please remember to provide their complete name, address and relationship to you. All requests must be in writing.

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I'm a new health club and I am not sure what my annual sales will be. How do I determine what premium to pay?
Provide the estimated annual sales/revenue (before expenses) that you expect to generate from all activities and services; including but not limited to: memberships fees, individual class fees, instruction/personal training fees, locker rentals, pro shop/merchandise sales, etc (not including revenue from initiation/sign-up fees).

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I have been asked by my landlord or sponsor to add them as an "additional insured" to my policy. What does this mean?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. By providing an entity additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You may add an entity as an additional insured under the certificate request section of the enrollment form. Please make sure to check the box in the certificate request area noted "additional insured", and provide their entire name, address and relationship to you.

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Does this policy provide coverage for the owner(s) of the health club and employees (including employed instructors)?
Yes, this policy provides commercial general liability as well as professional liability and legal liability to participants for the health club and any employees of the facility while working on behalf of the health club.

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Is coverage under this policy extended to independent contractors (non-employees) working on behalf of the health club?
Independent contractors (non-employees) are covered only if the optional coverage available with this program is purchased. If this optional coverage is not purchased, as a health club owner, you need to require that all independent contractors (non-employees) working at your health club obtain commercial general liability and professional liability coverage naming your health club as an additional insured on their policy. For your protection, you should maintain updated copies of the instructor insurance certificates in your files at all times.

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Does coverage extend to off-site club operations?
Coverage only extends to off-site operations if the optional coverage available in this program is purchased. Otherwise, coverage is limited to the premises address of the club location.

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What type of changes do I need to report to the company?
A change in location or the addition of any new operations all need to be reported to the company as these types of changes could have an impact on your current coverage.

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We are a newly formed school and we are not sure how many students we will have, how should I report my student count?
You need to report the number of students you project to have within an annual term. You may add additional students at any time by using the martial arts supplemental form.

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Do you provide coverage for mixed martial arts?
Under this program we are not able to provide coverage for mixed martial activities such as ultimate fighting, muay thai or cage fighting; however, if your terminology for mixed martial arts means that you instruct a combination of styles that are eligible under this program (ie: karate, taekwondo and judo) then your school or organization would be eligible for coverage with this program.

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If I have both contact and non-contact kickboxing at my school, which option do I choose?
You would need to choose option 2.

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Am I allowed to transport students to activities such as classes, tournaments or exhibitions?
This insurance program does not provide coverage for the transportation of students. Should the transportation of students be necessary for your operation, we suggest that you consult a licensed insurance agent in your area to provide you with commercial automobile coverage for this type of exposure.

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What is a minimum premium?
A minimum premium is the least amount of premium you will be charged for your insurance coverage. For example, if the calculated premium for your school or organization is less than the minimum premium, the amount due will be the minimum premium. If the calculated premium for your school or organization exceeds the minimum, the total calculated premium is the minimum premium due.

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I have been asked by my landlord or sponsor to add them as an "additional insured" to my policy. What does this mean?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. By providing an entity additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You may add an entity as an additional insured under the certificate request section of the enrollment form. Please make sure to check the box in the certificate request area noted "additional insured", and provide their entire name, address and relationship to you.

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When should we make our coverage effective?
The effective date is the date you need your insurance to start. For many, this is the first day that your organization has to set up for the event. Coverage will be in effect for the time period of the event.

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What is Host Liquor?
This program provides coverage if the named insured conducts an event or activity where alcoholic beverages are served or furnished, with or without a charge, and is not required to obtain a license or permit to do so. If a liquor license or permit is required, claims resulting from serving or furnishing alcoholic beverages will be excluded unless Liquor Liability Coverage option is purchased.

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I have been asked by the facility that I am using for the event to add them as an additional insured to my policy. What does this mean and how do I do that?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You can add an entity as an additional insured under the certificate request section of the enrollment form. Please remember provide their complete name, address and relationship to you. All requests must be made in writing.

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I have been asked by the facility that I instruct at to add them as an "additional insured" to my policy. What does this mean and how do I do that?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. Such possible entities are a landlord or sponsor. By providing an entity additional insured status they now are entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments. You can add an entity as an additional insured under the certificate request section of the enrollment form. Please remember to provide their complete name, address and relationship to you. All requests must be in writing.

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I have been asked by my landlord or sponsor to add them as an "additional insured" to my policy. What does this mean?
An additional insured is an entity which has an insurable interest for claims arising out of your negligence as the named insured. By providing an entity additional insured status, they are now entitled to defense and indemnity (if policy limits have not been exhausted) under your policy with no responsibility for premium payments.

You may add an entity as an additional insured under the certificate request section of the enrollment form. Please make sure to check the box in the certificate request area noted "additional insured", and provide their entire name, address and relationship to you.

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When should I make my coverage effective?
The effective date is the date you need your insurance to start. For many, this is the first day of the camp/clinic or when you begin setting up. If you are renewing coverage with us, use the expiration date of your coverage.

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How do I calculate the premium? What is a minimum premium?
Premium is based on the actual or maximum number of campers expected times a rate. A minimum premium is the amount you must pay if your calculated premium is less than the minimum premium for the option you choose.

Example: A two-day camp that needs $1,000,000 in coverage for 50 campers:
Step 1: Choose Option A
Step 2: Take the daily session rate for Option A, which is $1.33 x 50 x 2 for a premium calculation of $133.
Step 3: Since the premium calculation is below the $240 minimum premium for Option A, the total premium due for this camp is $240.

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What if I have multiple camps or clinics scheduled and I am not sure how many participants will attend these camps or clinics? What do I report?
At the time of enrollment, please provide us a list of all your known camps or clinics. Use the maximum amount of campers that your camp/clinic can accommodate to calculate the premium due. TBD numbers will not be accepted. You can always submit an audit at the end of your camp if your numbers do not match what you had reported.

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What do I do if I add a camp or clinic after I submit my enrollment?
To provide coverage for a new camp/clinic not previously reported, you must inform us in writing of the new dates by completing a youth camp/clinic supplemental request form prior to the start date of the camp/clinic along with any additional premium due. Camps or clinics not reported to us prior to occurring will not be covered.

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What happens if I need to cancel a camp or clinic?
Cancellations must be reported prior to the scheduled start date or the first day of the camp/clinic session, and confirmed in writing for a refund or credit to be considered. Refunds may be subject to a cancellation penalty of $120 for Option A or $180 for Option B.

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How do I report cancellations, changes or any additional camps after hours or on a weekend?
Since any changes to your coverage need to be reported prior to the scheduled start date or the first day of camp and be submitted in writing, please either fax or e-mail us the necessary change as soon as you can. If you do not have access to fax or e-mail, please leave us a voicemail message and follow up with written confirmation as quickly as possible.

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Do I need to complete an audit at the end of my camp?
Your coverage may be subject to an audit. Audit forms will be sent with your proof of coverage certificate if we will be auditing your camps or clinics. A completed audit form with a roster of the camper"s names is required within 30 days of the end of the reported camp/clinic session.

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Is Abuse and Molestation coverage available?
Yes, we are able to provide coverage upon receipt of a completed questionnaire and approval from the carrier that reimburses you for up to $100,000 per claim and $100,000 in the aggregate for defense costs resulting from claims arising out of abuse, molestation, harassment or sexual conduct. The premium for coverage, if approved, is $500. Please contact us for the questionnaire.

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What if I have multiple camps scheduled and I am not sure how many participants will attend these camps? What do I report?
At the time of enrollment, please provide us a list of all your known camps. Use the maximum amount of campers that your camp can accommodate to calculate the premium due. TBD numbers will not be accepted. You can always submit an audit at the end of your camp if your numbers do not match what you had reported.

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