Sports Insurance Specialists
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Pullen Insurance Services
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Martial Arts
Activity and Social Clubs
Outfitters and Guides
Exercise/Personal Training Studios
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Phone ​1-609-482-2207
Fax 1-609-895-1468
Claims 1-800-237-2917
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Eligible Operations

U.S. based exercise studios or circuit training facilities with 3,000 square feet or less of leased or owned space per location.
Note:  An insured with multiple locations is eligible for this program as long as each location's square footage is 3,000 square feet or less.  For operations with locations over 3,000 square feet, contact our office for information on other available programs.

Ineligible Operations:
Certain studios/facilities are not eligible for this program.  We reserve the right to decline any request for coverage.  The ineligible studio/facilities include, but are not limited to the following (and are excluded from coverage):
- Unattended or unstaffed 24-hour key card/keypad/keycode - Parkour/Ninja/Obstacle course programs or facilities
access operations or unattended/unstaffed operations  - Physical therapy
- Childcare/babysitting services or facilities - Physicals or stress testing
- Climbing walls - Programs specifically designed for health disorders/diseases
​-​CrossFit® Affiliate Owners and/or CrossFit® programs/activities*
unless reported to and approved by us
- Dance studios*, Gymnastics/Cheer studios*, Martial arts studios* -
Salon services or indoor tanning
- Facilities outside of the U.S. - Saunas or steam rooms
- Ice skating, roller skating or skating treadmills -
​Sports medicine
- Medical, therapy or health care services - Sports rehabilitation services or therapy 
- Open access to members to utilize facility on a
Sports skills instructional facilities, academies, schools 
self-directed basis outside of a structured program
or programs 

Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge

* Facilities that offer programs and services that are not eligible for this program should contact us at 866-738-6100.
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 Aggregate (non-employees)
- Personal and Advertising Injury - Abuse, Molestation or Exploitation Defense
- Damage to Premises Rented to You
  Cost Reimbursement
- Medical Expense (other than participants)
- Sexual Abuse or Sexual Molestation Liability
- Bodily Injury to Participants Liability
- Equipment and Contents (Inland Marine)
- Hired Auto and Employers' Nonownership Liability - Supplies and Inventory
(not available in IL, LA, UT, VT and WI) - Improvements and Betterments
Professional Liability - Signs
- Premises Liability Included

Notable Exclusions
The following represent only some of the exclusions contained in this policy.
- Abuse, molestation or exploitation
- Instruction/activity being 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
-​​Massage therapy

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

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

​insured's members participates
​Specified recreational vehicles and activities-Aircraft/hot air balloon,
​Bodily injury to participants while in a hired auto or non-owned auto
​Airport, Amusement devices: the ownership, operation, maintenance
Cap on losses from certified acts of terrorism
​or use of any device or equipment a person rides for enjoyment,
​Commercial general liability standard exclusions 
​including, but not limited to: mechanical or non-mechanical ride,

​(CG0001 4/13 edition)
​slide, or water slide (including any ski or tow when used in 
Communicable diseases
​conjunction with a water slide), inflatable recreational device, or 
​Cryogenic chambers/therapy
​vertical device or equipment used for climbing, whether permanently
​Cyber incident, data compromise, and violation of statutes 
​affixed or temporarily erected. This exclusion does not apply to 

​related to personal data
​video or computer games; or to any device that is specifically 
​Cycling (other than stationary)
​designed for the training or instruction of an activity for which you
​Employment related practices
​are enrolled. Animal, bungee, Dunk Tank, Haunted attraction,
- Events, competitions, tournaments, camps/clinics, conducted or
Performer, Rodeo, Saddle animal, Snowmobile

sponsored by, or on behalf of the insured, unles reported to and
- The sale or distribution of medicinal, herbal and/or nutritional
approved by us

- Fireworks
- The sport of boxing (contact/sparring)
- Fitness/exercise operatinos related, in whole or in part, to
- The sport of wrestling
performance as an exotic dancer or any similar occupation in the
Those operations listed as ineligible

adult entertainment industry
​-Total pollution with a building heating, cooling & dehumidifying
​-Full-sized trampolines

equipment exception and hostile fire exception
​-Fungi or bacteria
​-​Training programs for law enforcement, public safety and
- Independent contractors (non-employees) under the age of 18,
military personnel

and/or instructing sports skills, and/or coaching of organized
- Unmanned aircraft
competitive athletic teams, and/or operating as a certified athletic

trainer and/or exempt or non-exempt employee of a university

or college