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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.

IMPORTANT PROGRAM CHANGE: As of 3/1/20, covered operations under this program now includes virtual training/instruction under your direct supervision or organized by you (you = the named insured on the policy).  The intent of this wording is to provide coverage for operations that involve live online streaming/real-time instruction with your clients/members via the internet. The instructor should be able to communicate visually and verbally with the participants at all times during instruction.  Recorded training sessions of covered sports/activities are also approved provided that ONLY your registered members/clients have access.
          

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 online streaming/real-time instruction. 

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.  The policy is not intended to extend to online streaming/real-time instruction or recorded videos/sessions that are accessible by the general public/non-members.  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.


                    
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 - Physical therapy
access 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 Optional Coverages   
- Bodily Injury and Property Damage - Liability for Independent Contractors
- Products-completed Operations Aggregate   (Non-employees)
Personal and Advertising Injury  - Abuse, Molestsation, 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 competitions held/sponsored by the insured or in  - Sale or distribution of herbal, medicinal and/or nutritional
  which 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 calls
- Fireworks or other methods of sending materials or information