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 Liability | Optional 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 Included | | Cost Reimbursement |
- | Off-site Premises Liability Available | - | Sexual Abuse or Sexual Molestation |
- | Damage to Premises Rented to You | - | Equipment and Contents (Inland Marine) |
- | Medical Expense (other than participants) | - | Supplies and Inventory |
- | Hired Auto and Employers' Nonownership Liability | - | Improvements and Betterments |
| (not provided while in Hawaii) | - | Signs |
- | Professional Liability | | |
- | 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 participate | | products |
- | Communicable Diseases | - | The sport of boxing (contact/sparring) |
- | Cryogenic chambers/therapy | - | The sport of wrestling |
- | Cycling (other than stationary) | - | Training programs for law enforcement, public safety and |
- | Employment-related practices | | military personnel |
- | Events, competitions, tournaments, camps/clinics conducted | - | Transportation of participants/members |
| or sponsored by, or on behalf of the insured, unless reported | - | Violation of statutes that govern e-mails, faxes, phone calls |
| and approved by us | | or other methods of sending materials or information |
- | Fireworks | | |