Accidents happen and filing an insurance claim is a common fact of life for any business, and then it's no different for clubs. That said, there are some unique risks related to the operations of the club that need to be managed, in order to reduce the risk of injury to guests and to team members. Brian Rawlings with FITLIFE insurance, has been working to assist clubs and insurance and risk management since 2011. And in that time, he's seen all kinds of claims for personal injury to property. Here he talks about three of the most common claims that we see and what club owners can do to try to mitigate against them.