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Health Club Program-Limited Services
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Phone 1-817-339-2017
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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 machine 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 studio/facility.   Note: coverage does not extend to your independent contractors unless the optional coverage is purchased. Optional coverages available under this program include professional liability for independent contractors and coverage for equipment and contents of the studio/facility. 


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/key code access - Physicals or stress testing
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
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 care services -
The sport of boxing (contact/sparring)
​Parkour/Ninja/Obstacle course programs or facilities
-​​The sport of wrestling
​Physical therapy
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, Harassment or Sexual Conduct Defense
Premises Liability Included Cost Reimbursement
- Off-site Premises Liability Available - Sexual Abuse or Sexual Molestation Liability
Damage to Premises Rented to You Equipment and Contents (Inland Marine)
- Medical Expense (other than participants) - Supplies and Inventory
- Legal Liability to Participants Improvements and Betterments
 - Hired Auto and Employers' Nonownership Liability - Signs
  (not provided while in Hawaii)
​-​Professional Liability

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 comopetitions 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 call
​and approved by us or other methods of sending materials or information