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Health Club Program-Limited Services
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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 - 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 facilities, academies, schools
  - Ice skating, roller skating or skating treadmills
or programs
- Medical, therapy or health care 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 Liability Optional Coverages
- Bodily Injury and Property Damage - Liability for Indpendent Contractors
- Products-completed Operations Aggregate
- Personal and Advertising Injury - Abuse, Molestation or Exploitation Defense
 - Premises Liability Included Cost Reimbursement
 - Damage to Premises Rented to You
 - Sexual Abuse or Sexual Molestation Liability
 - Medical Expense (other than participants)
 - Equipment and Contents (Inland Marine)
- Bodily Injury to Partipants Liability

- Hired Auto and Employers' Nonownership Liability

(not available in IL, LA, UT, VT and WI)
​-​Professional Liability

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
- Massage therapy
products and/or services used in the adult entertainment
 - Multi-passenger vehicles

industry takes place
 - Nuclear energy liability
- Asbestos
 - 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 
(CG0001 4/13 edition)

tow 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 
​Cyber incident, data compromise, and violation of statutes
​to 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, 
​Employment related practices
​Saddle animal, Snowmobile
​Events, competitions, tournaments, camps/clinics conducted or
​The sale or distribution of herbal, medicinal and/or nutritional

​sponsored by, or on behalf of the insured, unless reported to

​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 
-​Training programs for law enforcement, public safety

​the adult entertainment industry
and military personnel
​Full-size trampolines
Transportation of participants/members not athletes/
​Fungi or bacteria
​Independent Contractors (non-employees) under the age of 18,
-​​Unmanned aircraft

​and/or instructing sports skills, and/or coaching of organized
​Use of projectile weapons including, but not limited to firearms,

​competitive athletic teams, and/or operating as a certified
​tasers, and defense sprays

​athletic trainer and/or exempt or non-exempt employee of a 
-​​Use of sharpened/bladed weapons

​university or college