Understanding YourCoverage Options
Choose the right protection for your members. Each coverage type is designed for specific activities and risks. Mix and match for comprehensive protection.
Event Insurance
Per-activity coverage for single events
Covers participants for a single day or event. Perfect for classes, workshops, and one-time activities.
What's Covered
- Accidental injury during the event
- Medical expenses up to policy limits
- Emergency transportation costs
- Activity-specific risks
Not Covered
- Pre-existing conditions
- Intentional self-harm
- Activities outside event scope
- Equipment damage (separate coverage)
Best For
Real Example
A member takes a spin class. If they're injured during class, their medical expenses are covered up to $50,000.
Liability Coverage
Protection against third-party claims
Protects against claims from third parties for bodily injury or property damage caused during activities.
What's Covered
- Third-party bodily injury claims
- Property damage liability
- Legal defense costs
- Settlement payments
Not Covered
- Criminal acts
- Contractual liability
- Professional errors (E&O)
- Employment-related claims
Best For
Real Example
A rental bike causes property damage. Liability coverage pays for repairs and legal costs up to $100,000.
Property Coverage
Equipment and asset protection
Covers equipment, gear, and assets against damage, theft, or loss during rental or use.
What's Covered
- Accidental damage to equipment
- Theft protection
- Loss during rental period
- Repair or replacement costs
Not Covered
- Normal wear and tear
- Mechanical breakdown
- Damage from misuse
- Items left unattended
Best For
Real Example
A rented paddleboard gets damaged. Property coverage pays for repair up to replacement value.
Cancellation Coverage
Refund protection for cancellations
Reimburses fees when events are cancelled due to covered reasons like weather or illness.
What's Covered
- Weather-related cancellations
- Sudden illness or injury
- Family emergencies
- Venue-forced cancellations
Not Covered
- Change of mind
- Scheduling conflicts
- Foreseeable weather
- Business-related cancellations
Best For
Real Example
A hiking trip is cancelled due to a storm warning. Cancellation coverage refunds the booking fee.
Coverage by Activity Type
Recommended coverage combinations for common business types
Gym & Fitness Classes
Recommended Coverage
Optional Add-ons
Equipment Rentals
Recommended Coverage
Optional Add-ons
Adventure Sports
Recommended Coverage
Optional Add-ons
Coverage Questions
Can members combine multiple coverage types?
Yes! Members can purchase multiple coverage types for comprehensive protection. For example, combining Event Insurance with Cancellation Coverage for an outdoor yoga retreat.
How quickly does coverage take effect?
All coverage is instant. The moment a member completes their purchase, they're protected. No waiting periods or pre-authorization required.
Are there age restrictions for coverage?
Coverage is available for participants 18+. Minors can be covered under a parent/guardian's policy when accompanied during activities.
What's the claims process like?
Claims can be filed online within 30 days of the incident. Most claims are processed within 5-7 business days. We handle all communication with members directly.