Skip navigation links
Customer Service
Contact Us
Summit Insurance Services
First time users must register in order to save their Quotes & Applications: Register here
Select a Category
Outfitters and Guides
Martial Arts
Activity and Social Clubs
Health Club Program-Limited Services
E-mail this page  | Print this page
Phone 1-800-550-5029
Fax 1-678-205-8041
Claims 1-800-237-2917
Ask us a Question/E-mail

This program has been designed for U.S.-based owners and operators 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.


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* - Sports rehabilitation services/therapy
Martial arts studios* -
Sports skills instructional facilities, academies, schools or programs
Facilities located outside of the U.S. - Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
- Ice skating, roller skating or skating treadmills
The sport of boxing (contact/sparring)
- Medical, therapy or health care services
The sport of wrestling
​Parkour/Ninja/Obstacle course programs or facilities
​Physical therapy

*Facilities that offer programs and services that are not eligible for this program should contact us at 800-550-5029.

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 Liability Optional 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 Included Cost Reimbursement
- Professional Liability
- Sexual Abuse or Sexual Molestation Liability
- Damage to Premises Rented to You
- Equipment and Contents (Inland Marine)
 - Medical Expense (other than participants

- Bodily Injury to Participants Liability

​Hired Auto and Employers' Nonownership Liability

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


Notable Exclusions

The following represent only some of the exclusions contained in this policy:
- Abuse, molestation or exploitation
 - Instruction/activity 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 place
​Multi-passenger vehicles
​Nuclear energy
Athletic competitions held/sponsored by the insured or in which the
​Sexually transmitted diseases

insured's members participate
​Silica or silica-related dust
​Bodily injury to participants while in a hired auto or non-owned auto
Specified recreational vehicles and activities-Aircraft/hot air balloon,
​Cap on losses from certified acts of terrorism
Airport, Amusement devices: The ownership, operation
​Commercial general liability standard exclusions (CG0001 4/13 ed)
maintenance or use of any device or equipment a person rides for
​Communicable Diseases
enjoyment, including, but not limited to: mechanical or 
CrossFit Affiliate owners and/or Cross fit programs/activities
non-mechanical ride, slide, or water slide (including any ski or tow
Cryogenic chambers/therapy
when used in conjunction with a water slide); inflatable recreational
​Cyber incident, data compromise, and violation of statutes
device; or vertical device or equipment used for climbing, whether

​related to personal data
permanently affixed or temporarily erected. This exclusion does not
- Cycling (other than stationary)
  apply to video games or computer games; or to any device that is
- Employment-related practices
specifically designed for the training or instruction of an activity for
Events, competitions, tournaments, camps/clinics conducted
which you are enrolled. Animal, Bungee, Dunk tank, Haunted

or sponsored by, or on behalf of the insured, unless reported​
attraction, Performer, Rodeo, Saddle animal, Snowmobile

​and approved by us
  - The sale or distribution of herbal, medicinal and/or nutritional
​-Fitness/exercise operations related, in whole or in part, to
​-Those operations listed as ineligible

performance as an exotic dancer or any similar occupation in the
- Total pollution with a building heating, cooling & dehumidifying

adult entertainment industry

equipment exception and hostile fire exception
- Full-size trampolines
Training programs for law enforcement, public safety and
- Fungi or bacteria

military personnel
Independent Contractors (non-employees) under the age of 18,
- Transportation of participants/members not athletes/participants
and/or instructing sports skills, and/or coaching of organized
Unmanned aircraft

competitive athletic teams, and/or operating as a certified athletic
-​​Use of projectile weapons including, but not limited to firearms,

trainer and/or exempt or non-exempt employee of a university
​tasers, and defense sprays

or college
Use of sharpened/bladed weapons