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Health Club Program-Limited Services
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Phone 1-800-955-1991
Fax 1-913-327-0201
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NOW AVAILABLE - Buy Coverage On-line! Liability limits of $1,000,000 to $5,000,000 (per occurrence) are available online.


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 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.
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 elgible 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
Martial arts studios*   or 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

    - Damage to Premises Rented to You
- Bodily Injury and Property Damage - Medical Expense (other than participants)
- Products-completed Operations Aggregate  -  Legal Liability to Participants
- Personal and Advertising Injury  - Hired Auto and Employers' Nonownership Liability
 - Premises Liability Included  - (not provided while in Hawaii)
  - Off-site Premises Liability Available  - Professional Liability
Optional Coverages:    
Abuse, Molestation, Harassment or Sexual Conduct  - Professional Liability for Independent Contractors
  Defense Cost Reimbursement   (Non-employees)
- Equipment & Contents (Inland Marine)  -  Sexual Abuse or Sexual Molestation Liability
Medical Payments for Participants    

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  - Massage therapy
- Boxing (contact/sparring)  - Nuclear energy liability
- Cryogenic chambers/therapy  - Sale or distribution of herbal, medicinal and/or nutritional
- Cycling (other than stationary)   products
- 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 calls
or other methods of sending materials or information
 - Wrestling