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Health Club Program-Limited Services
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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.

IMPORTANT PROGRAM CHANGE: As of 3/1/20, covered operations under this program now includes virtual training/instruction under your direct supervision or organized by you (you = the named insured on the policy).  The intent of this wording is to provide coverage for operations that involve live online streaming/real-time instruction with your clients/members via the internet. The instructor should be able to communicate visually and verbally with the participants at all times during instruction.  Recorded training sessions of covered sports/activities are also approved provided that ONLY your registered members/clients have access.  

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 online streaming/real-time instruction. 

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.  The policy is not intended to extend to online streaming/real-time instruction or recorded videos/sessions that are accessible by the general public/non-members.  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.  

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- Fungi or bacteria
- Acupuncture-Instruction/activity held on or in open water
- All operations listed as ineligible(e.g.: lakes, ponds, ocean)
- Amusement devices (eg: rides, slides, inflatables, bungees,-Lead
climbing walls, dunk tanks) - Massage therapy
- Asbestos - Nuclear energy liability
- Athletic competitions held/sponsored by the insured or in which - Sale or distribution of herbal, medicinal and/or nutritional
the insured's members participateproducts
- Cryogenic chambers/therapy -The sport of boxing (contact/sparring)
- Cycling (other than stationary) -The sport of wrestling
- Employment-related practices -Training programs for law enforcement, public safety and
-Events, competitions, tournaments, camps/clinics conductedmilitary personnel
​or sponsored by, or on behalf of the insured, unless reported-Transportation of participants/members
and approved by us​-Violation of statutes that govern e-mails, faxes, phone calls
-Fireworksor other methods of sending materials or information​