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Health Club Program-Limited Services
 
 
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Phone 1-817-339-2017
Fax 1-224-572-5709
Claims 1-800-237-2917
 
 
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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/key code access - Physical therapy
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*,   - Sports skills instructional facilities, academies, schools or
Martial arts studios* programs
Facilities located outside of the U.S. - Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
- Ice skating, roller skating or skating treadmills  
- 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 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 - 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 Participants 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 - 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
- Cryogenic chambers/therapy - The sport of boxing (contact/sparring)
- Cycling (other than stationary) - The sport of wrestling
- Employment-related practices - Training programs for law enforcement, public safety and
- Events, competitions, tournaments, camps/clinics conducted military personnel
or sponsored by, or on behalf of the insured, unless reported - Transportation of participants/members
​and approved by us - Violation of statutes that govern e-mails, faxes, phone call
​-Fireworksor other methods of sending materials or information