| Eligible Operations |
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U.S. based exercise studios or circuit training facilities with 3,000 square feet or less of leased or owned space per location.
This program has been designed for U.S. -based owners and operators of exercise studios and circuit training facilities that offer personal/individual training and exercise in scheduled fitness/exercise programs that are under the direct supervision of a fitness professional such as a personal trainer or exercise instructor or in a structured/sequential order for an individual. Coverage provided includes important liability protection for the studio/facility, including its employees for liability claims arising out of the operations of the studio/facility. Note: coverage does not extend to your independent contractors unless the optional coverage is purchased.
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. |
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| 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): |
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Unattended or unstaffed 24-hour key card/keypad/keycode |
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Physical therapy |
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access operations or unattended/unstaffed operations |
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Physicals or stress testing |
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Childcare/babysitting services or facilities |
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Programs specifically designed for health disorders/diseases,
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Climbing walls |
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unless reported to and approved
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| - | CrossFit® Affiliate Owners and/or CrossFit® programs/activities* | - | Salon services or indoor tanning
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Dance studios*, Gymnastics/Cheer studios*, Martial arts studios* |
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Saunas or steam rooms
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Facilities outside of the U.S. |
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Sports medicine
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Ice skating, roller skating or skating treadmills |
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Sports rehabilitation services or therapy
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Medical, therapy or health care services |
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Sports skills instructional facilities, academies, schools
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Open access to members to utilize facility on a |
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or programs
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self-directed basis outside of a structured program |
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Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
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| Parkour/Ninja/Obstacle course programs or facilities
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* Facilities that offer programs and services that are not eligible for this program should contact our office at
800-447-6797. |
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| Liability Coverage |
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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.
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| General Liability |
Optional Coverages |
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Bodily Injury and Property Damage |
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Liability for Independent Contractors |
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Products-completed Operations Aggregate |
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(non-employees) |
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Personal and Advertising Injury |
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Abuse, Molestation or Exploitation Defense |
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Damage to Premises Rented to You |
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Cost Reimbursement |
| - | Medical Expense (other than participants) | - | Sexual Abuse or Sexual Molestation Liability |
| - | Bodily Injury to Participants Liability
| - | Equipment and Contents (Inland Marine) |
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Hired Auto and Employers' Nonownership Liability |
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Supplies and Inventory |
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(not available in IL, LA, UT, VT and WI) |
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Improvements and Betterments |
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Professional Liability |
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Signs |
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| Notable Exclusions |
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| The following represent only some of the exclusions contained in this policy. |
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Abuse, molestation exploitation
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Instruction/activity being held on or in open water
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Acupuncture |
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(e.g.: lakes, ponds, ocean)
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Any adult-themed parties/meetings/trips, including but not limited
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Lead
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| to parties/meetings/trips during which demonstration of products
| - | Massage therapy
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| and/or services used in the adult entertainment industry takes place
| - | Multi passenger vehicles
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| Asbestos
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| Nuclear energy liability
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Athletic competitions held/sponsored by the insured or in which the
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Sexually transmitted diseases
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insured's members participates
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Silica or silica-related dust
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Bodily Injury to participants while in a hired auto or non-owned auto
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Specified recreational vehicles and activities-Aircraft/hot air balloon,
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Cap on losses from certified acts of terrorism
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Airport, Amusement devices: the ownership, operation,
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Commercial general liability standard exclusions
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maintenance or use of any device or equipment a person rides for
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| (CG0001 4/13 edition)
| | enjoyment, including, but not limited to: mechanical or
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| - | Communicable Diseases
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| non-mechanical ride, slide or water slide (including any ski or tow
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| - | Cryogenic chambers/therapy
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| used in conjunction with a water slide), inflatable recreational
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| Cyber incident, data compromise, and violation of statues
| | device, or vertical device or equipment used for climbing, whether
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| related to personal data
| | permanently affixed or temporarily erected. This exclusion does
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| - | Cycling (other than stationary)
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| not apply to video or computer games; or to any device that is
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Employment-related practices |
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specifically designed for the training or instruction of an activity for
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Events, competitions, tournaments, camps/clinics conducted |
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which you are enrolled. Animal, Bungee, Dunk tank, Haunted
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or sponsored by, or on behalf of the insured, unless |
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attraction, Performer, Rodeo, Saddle animal, Snowmobile
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reported and approved by us |
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The sale or distribution of herbal, medicinal and/or nutritional
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Fireworks
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products
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| Fitness/exercise operations related, in whole or in part, to
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| The sport of boxing (contact/sparring)
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| performance as an exotic dancer or any similar occupation in the
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| The sport of wrestling
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| adult entertainment industry
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| Those operations listed as ineligible
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| Full-sized trampolines
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| Total pollution with a building heating, cooling & dehumidifying
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| Fungi or bacteria
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| Independent contractors (non-employees) under the age of 18,
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| Training programs for law enforcement, public safety and
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| and/or instructing sports skills, and/or coaching of organized
| | military personnel
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| competitive athletic teams, and/or operating as a certified athletic
| - | Unmanned aircraft
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| trainer and/or exempt or non-exempt employee of a university or
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| college
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