My state's green.
What next?
Policies will begin being issued in the first quarter of 2010, once the state “goes green.” As each state becomes available, everyone who has made a payment toward their capital buy-in will be sent an application packet and all of the member/owner information.
Members who have purchased their professional policies from Endurance Insurance, through Nexo, will be required to pay their capital buy-in in full and then the professional liability portion of their policy will be converted to an RRG policy via an endorsement from Endurance to that effect.
Base premiums for the professional liability are expected to be on the order of $1,050 for affiliates and $225 for trainers. Rates will be higher for those with larger annual revenues. The general liability policies offered through Endurance will have similar premiums.
If you are in the affiliation process or are contemplating starting an affiliate, we encourage you to purchase your insurance through Nexo if you plan to join the RRG when policies are available. If the RRG policy becomes available in your state before your insurance is in force, the policy will be issued as an RRG policy, otherwise it will be a policy direct with Endurance that will subsequently be converted by endorsement.
The applications for affiliates and trainers will all be available on this page when they are ready for use. In the meantime, here is a link to the Nexo application.
New to the RRG? Make a capital contribution now.
What is a Risk Retention Group?
The CrossFit Risk Retention Group is designed to be the first line of defense for the entire CrossFit community.
A Risk Retention Group (RRG) is a form of self-insurance. An RRG is formed and owned by its policyholders, and covers specific liabilities and actions, which traditional insurance companies just don’t have the stomach for.
RRGs are common practice for law enforcement officers, doctors practicing emergency medicine, contractors, medical product manufacturers, and a variety of other professionals in high-risk industries.
The CrossFit RRG represents our strength and initiative as a community and is designed to:
- Protect all of us from potentially devastating lawsuits or attacks against our program, our affiliates and our trainers.
- Take aggressive action in the defense of our reputation.
- Discourage lawsuits against CrossFit by creating a formidable defensive barrier.
CrossFit Protection, Policies & Programs
Even though you have insurance now, you may not have the level of protection you need. Most liability insurance is geared towards physical accidents and losses or damage to your premises. It is unlikely that you are protected from the claims of rhabdo and/or injury deemed to be caused by your professional advice as a trainer.
The CF-RRG is designed to guarantee that affiliates and trainers will be able to obtain insurance – and that insurance won’t be cancelled when the insurance company gets skittish about what it’s read in the media about “the dangers of CrossFit.”
Be assured. We will not trust the defense of our reputation to the lowest bidder, nor leave the decision about how to defend ourselves to an insurance defense lawyer who knows little about our program and its safety and efficacy.
With the CF-RRG in place, CrossFit will defend itself and its trainers with a barrage of its own CrossFitters: medical professionals, expert witnesses, and seasoned lawyers.
What If You
Don’t Join?
Your decision is crucial to your business and to the future of CrossFit. The real risk comes from sitting on the sidelines thinking others will take care of it. The decision is up to you. If you think we’re asking too much, ask yourself, “Can I afford to lose my business, my livelihood and put the future of entire CrossFit community in peril?”
The CF-RRG is a new branch of our community, and not supporting our community could have devastating consequences for all of us. Purchasing insurance from the RRG will be completely optional, and won’t be required for affiliation. That being said, the real risk comes from not taking part in this program.
Affiliates and trainers who don’t participate risk being singled out and separated from the herd by opportunists. They will be devoured in the courtroom, stuck between an indifferent insurance company and omissions and errors in their insurance policy. When the time comes, they will be as valuable to the CF-RRG as the affiliates who do support it. By serving as sacrificial lambs, they will demonstrate the importance of being inside the castle wall.
Further Information
The CrossFit RRG is discussed in more detail in Mike Warkentin’s article in the CrossFit Journal, Dale Saran's interview on CrossFit Radio, and the CF-RRG FAQ. If you still have questions, please contact us at support@crossfitrrg.com or visit the Affiliate section of the message board.
Premiums will be payable separately and will be established for both affiliates and trainers, appropriate to the size and scope of an affiliate or individual trainer’s business. Over time, if we have low claims, the capital investment may be returned in the form of dividends or lower premiums.
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Thank you to our charter member affiliates & trainers.
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