Understand liability coverage for your gym or studio.
See what your policy covers for members, trainers, and equipment—without wading through endorsements alone.
What you get
- Clarifies participant vs. professional liability boundaries
- Notes waivers and assumed-risk exclusions
- Summarizes hired and non-owned auto if you run errands
Common policy types
- General liability
- Professional liability
- Commercial property
- Business interruption
Coverbird summary
General Liability
Policy period Dec 1, 2025 – Dec 1, 2026
Occurrence limit
Looks right$1,000,000
Aggregate limit
Looks right$2,000,000
In plain English
Your general liability includes member injury coverage subject to standard athletic activity exclusions; professional liability applies separately to training advice and programming.
Source
Page 2 · “Policy Period: 12/01/2025 to 12/01/2026”
Guides for this work
- How to read a commercial insurance policyA practical order of operations for a 100-page commercial PDF: declarations, form schedule, then the endorsements that actually change coverage.
- Commercial policy renewal checklistWhat to pull from this year’s declarations before a renewal meeting: dates, limits, form schedule, and the endorsements last year’s contracts required.
Also see the form library and glossary.
How it works
From PDF to renewal calendar in four steps
Upload
Upload
Drag in a PDF or photo of your commercial policy. Multiple files are fine. We accept PDF, JPG, and PNG up to 50 MB.
Extract
Extract
Coverbird reads the document, finds the declarations pages, and pulls structured fields—carrier, dates, premium, limits—with source evidence.
Verify
Verify
Uncertain fields ask for a quick confirm. You can edit inline. Original extractions stay in the audit trail—we never silently overwrite them.
Remind
Remind
Once the expiration date is solid, Coverbird schedules reminders at 120, 90, 60, 30, 14, and 7 days—so renewals stop sneaking up on you.
FAQ
Straight answers
Your documents are encrypted and private. We use them only to generate your breakdown. You can delete your data at any time from your account settings.
Start with one policy. Add the rest when you're ready.
Upload a commercial policy PDF and get a structured summary plus renewal tracking in one place.