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Health Club Program-Limited Services
 
 
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Phone 1-800-447-6797
Fax 1-804-733-2968
Claims 1-800-237-2917
 
 
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This program is designed for U.S. based owners and operation 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/keycode- Physical therapy
 access operations or unattended/unstaffed operations - Physicals or stress testing 
- Annual sales more than $500,000- Salon services or indoor tanning
- Childcare services/facilities- Saunas or steam rooms
- Climbing walls- Sports medicine
​-​CrossFit Affiliate Owners-​​Sports rehabilitation services/therapy
- Dance studios*, Gymnastics/cheer studios* , Martial arts studios* - Sports skills instructional faciltites, academies, schools  
-Facilities located outside of the U.S. or programs 
- Ice skating, roller skating or skating treadmills-Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
-Medical, therapy or health case services 
 
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 LiabilityOptional Coverages
- Bodily Injury and Property Damage - Liability for Independent Contractors
- Products-completed Operations Aggregate (non-employees)
- Personal and Advertising Injury - Abuse, Molestation, Harassment or Sexual Conduct Defense
Premises Liability IncludedCost Reimbursement
  -Off-site Premises Liability Available-Medical Payments for Participants
 - Damage to Premises Rented to You - Sexual Abuse or Sexual Molestation
-Medical Expense (other than participants)-Equipment and Contents (Inland Marine)
- Hired Auto and Employers' Nonownership Liability-Supplies and Inventory
 (not provided while in Hawaii)-Improvements and Betterments
​-​Professional Liability-​Signs
​-Legal Liability to Participants
 
 

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 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 which - Nuclear energy liability
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 reportedor other methods of sending materials or information​
and approved by us-Wrestling