Clubs--Racket Sports and Handball

What Does GL Code 41665 Cover?

ISO GL class code 41665 covers establishments primarily engaged in operating facilities for racket sports and handball, including tennis, squash, and badminton clubs. This code classifies operations that provide courts, equipment rental, coaching services, and often include ancillary services like pro shops or snack bars. It addresses the general liability exposures associated with participant injuries, property damage, and premises liability inherent in sports facilities.

Who Uses This Class Code?

This code applies to a variety of specialized sports facilities such as private tennis clubs, public squash and racquetball centers, badminton clubs, and dedicated handball courts. It also encompasses multi-sport complexes that feature a significant component of racket sports or handball activities. Businesses like "The Grand Slam Tennis Academy," "Squash & Racquetball Central," and "Florida Badminton Club" would fall under this classification.

Common GL Claims for This Class

Common general liability claims for racket sports clubs include participant injuries such as sprains, fractures, or head injuries from falls on courts or collisions with other players. Property damage claims can arise from balls hitting parked cars or facility equipment malfunctions causing harm to personal belongings.

Coverage Tips for Code 41665

• Ensure your policy includes adequate coverage for participant liability, as injuries sustained during sports activities are a primary exposure for racket sports clubs.
• Verify that any independent coaches or instructors operating on your premises carry their own professional liability and general liability insurance, naming your club as an additional insured.
• Implement robust waiver and release of liability forms for all participants, and ensure they are legally sound and regularly updated to reflect Florida statutes.
• Regularly inspect and maintain all playing surfaces, equipment, and facility structures to mitigate slip-and-fall hazards and equipment-related injuries, which can lead to significant claims.