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Health Club Program-Limited Services
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Phone 1-913-754-5617
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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 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 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 - 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® -​Sports medicine

​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 -
The sport of boxing (contact/sparring)
- Medical, therapy or health care services -
The sport of wrestling
​Parkour/Ninja/Obstacle course programs or facilities

​Physical therapy

*Facilities that offer programs and services that are not eligible for this program should contact us to review additional programs.​
​ ​ ​
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 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 Participants Liability

- Hired Auto and Employers' Nonownership Liability

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

Professional Liability
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 Lead

limited to parties/meetings/trips during which demonstration - Massage therapy
of products and/or services used in the adult entertainment  - Multi-passenger vehicles

industry takes place
 - Nuclear energy
-​​Sexually transmitted diseases
- Athletic competitions held/sponsored by the insured or in  - Silica or silica-related dust
  which the insured's members participate   - Specified recreational vehicles and activities-Aircraft/hot air
​-Bodily injury to participants while in a hired auto or non-
balloon, Airport, Amusement devices: The ownership,

owned auto
operation, maintenance or use of any device or equipment
- Cap on losses from certified acts of terrorism   a person rides for enjoyment, including, but not limited to:
- Commercial general liability standard exclusions

(CG0001 4/13 edition)

Communicable diseases
water slide); inflatable recreational device; or vertical device
CrossFit Affiliate owners and/or CrossFit programs/activities
Cryogenic chambers/therapy
affixed or temporarily erected. This exclusion does not apply
​Cyber incident, data compromise, and violation of statutes
​to video games or computer games; or to any device that is

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

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

​to and approved by us
​nutritional products
​Those operations listed as ineligible
​Fitness/exercise operations related, in whole or in part, to 
-​​Total pollution with a building heating, cooling & 

​performance as an exotic dancer or any similar occupation in
​dehumidifying equipment exception and hostile fire exception

​the adult entertainment industry
-​​Training programs for law enforcement, public safety and
​Full-size trampolines
military personnel
​Fungi or bacteria
​Transportation of participants/members 
​Independent Contractors (non-employees) under the age of 
not athletes/participants

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

​organized competitive athletic teams, and/or operating as a 
-​​Use of projectile weapons including, but not limited to 

​certified athletic trainer and/or exempt or non-exempt 
​firearms, tasers, and defense sprays

​employee of a university or college
​Use of sharpened/bladed weapons