Issue link: http://read.uberflip.com/i/897697
USICERINKS.COM NOVEMBER.DECEMBER.2017 / 35 trainers, leaving an insurance "gap" that could put your rink, or hockey organi- zations using your rink, at risk for an uncovered liability claim. How can you protect yourself? Make sure that fitness trainers have purchased their own fitness profes- sional insurance policy that names the rink and hockey organization as additional insureds. The trainer should provide you with a certificate of insur- ance proving he or she has appropriate coverage. At a minimum, fitness train- ers should purchase a general liability policy designed specifically for fitness trainers. Commercial general liability (CGL) insurance covers allegations of negligence which result in bodily injury, property damage or personal injury and the cost to defend or settle claims. The defense aspect of insurance is more important than you may realize, since the legal costs alone of defending a single claim could easily grow into thousands of dollars, or higher. A general liability policy may also include other types of coverage, such as personal and advertising injury, medical expense and products completed operations. Personal and advertising injury gener- ally refers to injury other than "bodily injury" such as false arrest, detention or imprisonment; the wrongful eviction from premises that a person occupies on behalf of its owner/landlord; oral or written publication of material that slan- ders or libels a person or organization's goods, products or services; oral or writ- ten publication of material that violates a person's right of privacy, or infringement of copyright, title or slogan. Products-completed operations pro- vides coverage for bodily injury and property damage arising out of the insured's product or work, while medical expense insurance covers necessary and reasonable medical expenses incurred by non-participants injured in the course of the instructors' business operations. Keep in mind that specific coverage var- ies between insurance providers. J "OUR INDUSTRY IS ALSO SEEING A TREND TOWARD RENTING SPACE OUT IN THE RINK TO THIRD-PARTY FITNESS COMPANIES AND/OR TO FITNESS, STRENGTH AND CONDITIONING PROFESSIONALS TO CONDUCT OFF-ICE TRAINING ACTIVITIES." , In many cases, off-ice training activities are covered by USA Hockey and U.S. Figure Skating's insurance coverage.