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Pullen Insurance Services
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Martial Arts
Activity and Social Clubs
Outfitters and Guides
Health Club Program-Limited Services
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Phone ​1-609-482-2207
Fax 1-609-895-1468
Claims 1-800-237-2917
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This program is designed for U.S. -based owners and operators of health clubs offering programs and services that may include personal training, aerobics, yoga, pilates, free weights, resistance machines, cardio machines and a variety of exercise classes for members.  Coverage provided includes important liability protection for the health club, including its employees for liability claims arising out of the operations of the health club at a designated location.

Note:  Coverage does not extend to independent contractors of the health club unless the optional coverage available with this program is purchased.


Eligible Operations
U.S. based health clubs with annual sales of $500,000 or less qualify for this program.
Ineligible Operations:    

Certain operations are not eligible for coverage by this program.  We reserve the right to decline any request for coverage.  The ineligible operations include, but are not limited to the following (and are excluded from coverage):

- Unattended/unstaffed 24-hour key card/keypad/key code access - Physicals or stress testing 
operations or unattended/unstaffed operations - Programs specifically designed for health disorders/diseases
- Annual sales more than $500,000
unless reported to and approved by us
- Childcare/babysitting services/facilities - Salon services or indoor tanning
- Climbing walls                                                                   - Saunas or steam rooms
​-​CrossFit® Affiliate Owners and/or CrossFit® programs/activities-​Sports medicine
- Dance studios*, Gymnastics/cheer studios*,   - ​Sports rehabilitation services/therapy
Martial arts studios* -
Sports skills instructional facilities, academies, schools or
Facilities outside of the U.S.
- Ice skating, roller skating or skating treadmills -
Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
- Medical, therapy or health care services
The sport of boxing (contact/sparring)
​Parkour/Ninja/Obstacle course programs or facilities
-​​The sport of wrestling
​Physical therapy
Liability Coverage
Commercial general liability coverage protects the insured against liability claims for bodily injury and property damage arising out of
premises, operations, products and completed operations and personal and advertising injury.  No deductible applies to liability claims.

Coverage includes incidental virtual training provided by you (the named insured) to your clients. The intention of the policy is to provide coverage for instruction/training under your direct supervision or organized by you, including material created by you that is accessible to your clients only (through a private platform such as a password protected website or a closed Facebook group) - Coverage does not extend to any training material that is accessible to the general public.  

We expect that all reasonable precautions will still be taken when you are assessing potential new clients online, including but not limited to: health assessments, waivers/release forms, and interviews with clients prior to instruction or training. We encourage our clients to consult with their attorney to consider special waiver/release agreements that will apply specifically to virtual training. 

Please note, virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting (including pyramids), or in-water activities.  We do not provide coverage for cyber liability, so if you are taking payment or collecting personal information online and it is compromised, there would be no coverage under the general liability policy.

General Liability Optional Coverages
- Bodily Injury and Property Damage - Liability for Independent Contractors
- Products-completed Operations (non-employees)
- Personal and Advertising Injury - Abuse, Molestation or Exploitation Defense
Premises Liability Included Cost Reimbursement
- Damage to Premises Rented to You
- Sexual Abuse or Sexual Molestation Liability
​-​Medical Expense (other than participants)-Equipment and Contents (Inland Marine)
Professional Liability Supplies and Inventory
- Bodily Injury to Participants Liability
- Improvements and Betterments
- Hired Auto and Employers' Nonownership Liability
- Signs
(not available in IL, LA, UT, VT and WI)

Notable Exclusions

The following represent only some of the exclusions contained in this policy:
- Abuse, molestation or exploitation
 - Instruction/activity held on or in open water
- Acupuncture
(e.g.: lakes, ponds, ocean)
- Any adult-themed parties/meetings/trips, including but not limited

​to parties/meetings/trips during which demonstration of products
​Massage therapy

​and/or services used in the adult entertainment industry
​Multi-passenger vehicles

​takes place
-​​Nuclear energy
​Sexually transmitted diseases
​Athletic competitions held/sponsored by the insured or in which
​Silica or silica-related dust

​the insured's members participates
-​​Specified recreational vehicles and activities-Aircraft/hot air
​Bodily injury to participants while in a hired auto or 
​balloon, Airport, Amusement devices: the ownership, operation,

​non-owned auto
​maintenance or use of any device or equipment a person rides for
- Cap on losses from certified acts of terrorism

enjoyment, including, but not limited to: mechanical or 
Commercial general liability standard exclusions
non-mechanical ride, slide or water slide (including any ski or

(CG0001 4/13 edition)
tow when used in conjunction with a water slide); inflatable
- Communicable diseases
recreational device; or vertical device or equipment used for 
CrossFit Affiliate owners and/or Cross fit programs/activities
climbing, whether permanently affixed or temporarly erected. 
​-Cryogenic chambers/therapy

This exclusion does not apply to video or computer games; or to
​Cyber incident, data compromise, and violation of statutes
​any device that is specifically designed for the training or 

​related to personal data
​instruction of an activity for which you are enrolled. Animal,
- Cycling (other than stationary)

Bungee, Dunk tank, Haunted attraction, Performer, Rodeo,
- Employment-related practices

Saddle animal, Snowmobile
- Events, competitions, tournaments, camps/clinics conducted
The sale or distribution of medicinal, herbal and/or nutritional

​or sponsored by, or on behalf of the insured, unless reported

and approved by us
- Those operations listed as ineligible
-​Total pollution with a building heating, cooling & dehumidifying
​Fitness/exercise operations related, in whole or in part, to
equipment exception and hostile fire exception

​performance as an exotic dancer or any similar occupation in the
Training programs for law enforcement, public safety and 

​adult entertainment industry
military personnel 
​Full-size trampolines
-​Transportation of participants/members not athletes/participants
​Fungi or bacteria
-​​Unmanned aircraft
​Independent Contractors (non-employees) under the age of 18,
​Use of projectile weapons including, but not limited to firearms,

​and/or instructing sports skills, and/or coaching of organized
​tasers, and defense sprays

​competitive athletic teams, and/or operating as a certified 
-​​Use of sharpened/bladed weapons

​athletic trainer and/or exempt or non-exempt employee of a

​university or college