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Phone 1-913-754-5617
Fax 1-913-327-0201
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Eligible Operations

U.S. based exercise studios or circuit training facilities with 3,000 square feet or less of leased or owned space per location.

This program has been designed for U.S. -based owners and operators of exercise studios and circuit training facilities that offer personal/individual training and exercise in scheduled fitness/exercise programs that are under the direct supervision of a fitness professional such as a personal trainer or exercise instructor or in a structured/sequential order for an individual.  Coverage provided includes important liability protection for the studio/facility, 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.   

Note:  An insured with multiple locations is eligible for this program as long as each location’s square footage is 3,000 square feet or less.   For operations with locations over 3,000 square feet, contact us for information on other available programs.

Ineligible Operations:
Certain studios/facilities are not eligible for this program.  We reserve the right to decline any request for coverage.  The ineligible studio/facilities include, but are not limited to the following (and are excluded from coverage): 
- Unattended/unstaffed 24-hour key card/keypad/keycode  - Parkour/Ninja/Obstacle course programs or facilities
access operations or unattended/unstaffed operations  - Physical therapy
- Childcare/babysitting services/facilities - Physicals or stress testing
- Climbing walls - Programs specifically designed for health disorders/diseases,
​-​CrossFit® Affiliate Owners and/or CrossFit® programs/activities*unless reported to us and approved
- Dance studios*, Gymnastics/Cheer studios*, Martial arts studios* - Salon services or indoor tanning
- Facilities outside of the U.S. - Saunas or steam rooms
- Ice skating, roller skating or skating treadmills -
Sports medicine
- Medical, therapy or health care services - Sports rehabilitation services/therapy
- Open access to members to utilize facility on a -
Sports skills instructional facilities, academies, schools or
self-directed basis outside of a structured program programs

-​​Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
* Facilities that offer programs and services that are not eligible for this program should contact  us at 800-955-1991.
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.

We're happy to advise that coverage does extend to 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
- Damage to Premises Rented to You    Cost Reimbursement
- Medical Expense (other than participants) Sexual Abuse or Sexual Molestation Liability
- Bodily Injury to Participants Liability - Equipment and Contents (Inland Marine)
- Hired Auto and Employers' Nonownership Liability - Supplies and Inventory
  (not available in IL, LA, UT, VT and WI) - Improvements and Betterments
- Professional Liability - Signs
​-​Premises Liability Included 

Notable Exclusions
The following represent only some of the exclusions contained in this policy.
- Abuse, molestation or exploitation - Instruction/activities held on or in open water (e.g.: lakes, 
- Acupuncture
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 disease
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 personal rides
- Cap on losses from certified acts of terrorism
- 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
- Cryogenic chambers/therapy climbing, whether permanently affixed or temporarily erected.
​Cyber incident, data compromise, and violation of statutes 
​This exclusion does not apply to video games or computer 

​related to personal data
​games; or to any device that is specifically designed for the 
​Cycling (other than stationary)
​training or instruction of an activity for which you are enrolled.
​Employment related practices
​Animal, Bungee, Dunk tank, Haunted attraction, Performer, 
​Events, competitions, tournaments, camps/clinics, conducted or
​Rodeo, Saddle animal, Snowmobile

​sponsored by, or on behalf of the insured, unless reported to and
​The sale or distribution of medicinal, herbal and/or nutritional

​approved by us
​The sport of boxing (contact/sparring)
​Fitness/exercise operations related, in whole or in part, to
-​​The sport of wrestling

​performance as an exotic dancer or any similar occupation in the
​Those operations listed as ineligible

​adult entertainment industry
-​​Total pollution with a building heating, cooling & dehumidifying
​Full-sized trampolines
​equipment exception and hostile fire exception
​Fungi or bacteria
-​​Training programs for law enforcement, public safety and
​Independent Contractors (non-employees) under the age of 18,
​military personnel

​and/or instructing sports skills, and/or coaching of organized
-​​Unmanned aircraft

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

​athletic trainer and/or exempt or non-exempt employee of a

​university or college

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