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Health Club Program-Limited Services
Phone 1-408-286-1111
Fax 1-408-217-2383
Claims 1-800-237-2917
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  Glossary | Buy On-line



This program is 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.

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 facilities, academies, schools or
- Facilities located outside of the U.S. programs
  - Ice skating, roller skating or skating treadmills - Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
- Medical, therapy or health care 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 Indpendent Contractors
- Products-completed Operations (Non-employees)
- Personal and Advertising Injury - Abuse, Molestation, Harassment or Sexual Conduct Defense
 - Premises Liability Included Cost Reimbursement
 - Off-site Premises Liability Available  - Medical Payments for Participants
 - Damage to Premises Rented to You  - Sexual Abuse or Sexual Molestation Liability
- Medical Expense (other than participants) - Equipment and Contents (Inland Marine)
- Legal Liability to Partipants  - Supplies and Inventory
Hired Auto and Employers' Nonownership Liability - Improvements and Betterments
(not provided while in Hawaii)​-Signs 
​-​Professional Liability

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  - Nuclear energy liability
- Boxing (contact/sparring)  - Sale or distribution of herbal, medicinal and/or nutritional
- Cryogenic chambers/therapy   products
- Cycling (other than stationary)  - Training programs for law enforcement, public safety
- Employment-related practices and 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
- Wrestling