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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.


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
- Physicals or stress testing 
 access operations or unattended/unstaffed operations - Programs specifically designed for health disorders/diseases,
- Annual sales more than $500,000
unless reported to and approved by us
- Childcare/babysitting services/facilities- Salon services or indoor tanning
- Climbing walls- Saunas or steam rooms
​-​CrossFit® Affiliate Owners and/or CrossFit® programs/activities*
-​Sports medicine
- Dance studios*, Gymnastics/cheer studios* , Martial arts studios* - ​Sports rehabilitation services/therapy
-Facilities located outside of the U.S. -
Sports skills instructional faciltites, academies, schools  
- Ice skating, roller skating or skating treadmills
or programs 
-Medical, therapy or health case services-
Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
​Parkour/Ninja/Obstacle course programs or facilities
​The sport of boxing (contact/sparring)
​Physical therapy
-​​The sport of wrestling
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.

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. 

General LiabilityOptional Coverages
- Bodily Injury and Property Damage - Liability for Independent Contractors
- Products-completed Operations Aggregate (non-employees)
- Personal and Advertising Injury - Abuse, Molestation or Exploitation Defense
Premises Liability IncludedCost Reimbursement
  -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

(not available in IL, LA, UT, VT and WI)

​Professional Liability

​-Bodily Injury to Participants Liability

Notable Exclusions

The following represent only some of the exclusions contained in this policy:
- Abuse, molestation or exploitation
- Instruction/activities held on or in open water
- Acupuncture
(e.g.: lakes, ponds, ocean)
- Any adult-themed parties/meetings/trips, including but not limited

​to parties/meetings/trips during which demonstration of products
​Massage therapy

​and/or services used in the adult entertainment industry takes
-​​Multi-passenger vehicles

​Nuclear energy
-​​Sexually transmitted diseases
- Athletic competitions held/sponsored by the insured or in which
-Silica or silica-related dust
the insured's members participates
 - Specified recreational vehicles and activities-Aircraft/hot air 
- Bodily injury to participants while in a hired auto or non-owned
balloon, Airport, Amusement devices: the ownership, operation,

maintenance or use of any device or equipment a person rides 
Cap on losses from certified acts of terrorism
for enjoyment, including, but not limited to: mechanical or
​-Commercial general liability standard exclusions

non-mechanical ride, slide or water slide (including any ski or tow

​(CG0001 4/13 edition)
​when used in conjunction with a water slide); inflatable 
- Communicable diseases

recreational device; or vertical device or equipment used for 
CrossFit Affiliate owners and/or Cross fit programs/activities
​climbing, whether permanently affixed or temporarily erected. 

Cryogenic chambers/therapy 
​This exclusion does not apply to video or computer games; or to
​Cyber incident, data compromise, and violation of statutes
​any device that is specifically designed for the training or

​related to personal data
​instruction of an activity for which you are enrolled. Animal, 
- Cycling (other than stationary) 
Bungee, Dunk tank, Haunted attraction, Performer, Rodeo, Saddle
- Employment-related practices
animal, Snowmobile
-Events, competitions, tournaments, camps/clinics conducted-The sale or distribution of herbal, medicinal and/or nutritional
​or sponsored by, or on behalf of the insured, unless reported
and approved by us
Those operations listed as ineligible
Total pollution with a building heating, cooling & dehumidifying
​Fitness/exercise operations related, in whole or in part, to
​equipment exception and hostile fire exception

​performance as an exotic dancer or any similar occupation in the
Training programs for law enforcement, public safety and

​adult entertainment industry
military personnel
​Full-size trampolines
-​Transportation of participants/members not athletes/participants
​Fungi or bacteria
-​Unmanned aircraft
​Independent contractors (non-employees) under the age of 18, 
​Use of projectile weapons including, but not limited to firearms,

​and/or instructing sports skills, and/or coaching of organized
​tasers, and defense sprays

​competitive athletic teams, and/or operating as a certified athletic
​Use of sharpened/bladed weapons

​trainer and/or exempt or non-exempt employee of a university

​or college