Your Amateur Sports Insurance Specialist
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Chappell Insurance
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Martial Arts
Activity and Social Clubs
Outfitters and Guides
Exercise/Circuit/Personal Training Studios
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Phone 1-800-447-6797
Fax 1-804-733-2968
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 - Physical therapy
access operations or unattended/unstaffed operations  - Physicals or stress testing
- Childcare services or facilities - Salon services or indoor tanning
- Climbing walls - Saunas or steam rooms
​-​CrossFit Affiliate Owners*-​​Sports medicine
- Dance studios*, Gymnastics/Cheer studios*, Martial arts studios* - Sports rehabilitation services or therapy 
- Facilities outside of the U.S. - Sports skills instructional facilities, academies, schools 
- Ice skating, roller skating or skating treadmills or programs 
- Medical, therapy or health care services - Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
- Open access to members to utilize facility on a  
self-directed basis outside of a structured program
* Facilities that offer programs and services that are not eligible for this program should contact our office at
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.
General Liability - Damage to Premises Rented to You
- Bodily Injury and Property Damage - Medical Expense (other than participants)
- Products-completed Operations Aggregate - Legal Liability to Participants
- Personal and Advertising Injury  - Hired Auto and Employers' Nonownership Liability
      (not provided while in Hawaii)
Professional Liability
Optional Coverages:
- Equipment & Contents (Inland Marine) Professional Liability For Independent Contractors
- Supplies & Inventory (Non-employees)
- Improvements & Betterments Abuse, Molestation, Harassment, or Sexual Conduct Defense
- Signs Cost Reimbursement
- Medical Payments For Participants
- Sexual Abuse or Sexual Molestation Liability
Notable Exclusions
The following represent only some of the exclusions contained in this policy.
- Abuse, molestation, harassment or sexual conduct - Fireworks
- Acupuncture - Fungi or bacteria
- All operations listed as ineligible - Instruction/activity being held on or in open water
- Amusement devices (eg: rides, slides, inflatables, bungees, (e.g.: lakes, ponds, ocean)
climbing walls, dunk tanks) - Lead
- Asbestos - Massage therapy
- Athletic competitions held/sponsored by the insured or in - Nuclear energy liability
which the insured's members participate - Sale or distribution of herbal, medicinal and/or nutritional
​-​Boxing (contact/sparring)​products
​-​Cryogenic chambers/therapy​-​Training programs for law enforcement, public safety and
- Cycling (other than stationary) military personnel
- Employment-related practices - Transportation of participants/members
- Events, competitions, tournaments, camps/clinics conducted - Violation of statutes that govern e-mails, faxes, phone calls
or sponsored by, or on behalf of the insured, unless or other methods of sending materials or information
reported and approved by us - Wrestling
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