| Eligible Operations |
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U.S. based exercise studios or circuit training facilities with 3,000 square feet or less of leased or owned space per location.
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 our office for information on other available programs. |
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| 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): |
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Unattended or unstaffed 24-hour key card/keypad/keycode |
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Parkour/Ninja/Obstacle course programs or facilities
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access operations or unattended/unstaffed operations |
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Physical therapy
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Childcare/babysitting services or facilities |
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Physicals or stress testing
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Climbing walls |
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Programs specifically designed for health disorders/diseases,
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Crossfit® Affiliate Owners and/or CrossFit® programs/activities* |
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unless reported to and approved by us
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Dance studios*, Gymnastics/Cheer studios*, Martial arts studios* |
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Salon services or indoor tanning
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Facilities outside of the U.S. |
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Saunas or steam rooms
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Ice skating, roller skating or skating treadmills |
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Sports medicine
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Medical, therapy or health care services |
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Sports rehabilitation services or therapy
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Open access to members to utilize facility on a |
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Sports skills instructional facilities, academies, schools
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self-directed basis outside of a structured program
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or programs
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| Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge
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* Facilities that offer programs and services that are not eligible for this program should contact us at 800-550-5029. |
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| Liability Coverage |
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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.
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| General Liability |
Optional Coverages |
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Bodily Injury and Property Damage |
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Liability for Independent Contractors |
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Products-completed Operations Aggregate |
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(non-employees) |
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Personal and Advertising Injury |
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Abuse, Molestation or Exploitation Defense |
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Damage to Premises Rented to You |
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Cost Reimbursement |
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Medical Expense (other than participants) |
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Sexual Abuse or Sexual Molestation Liability |
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Bodily Injury to Participants Liability
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Equipment and Contents (Inland Marine) |
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Hired Auto and Employers' Nonownership Liability |
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Supplies and Inventory |
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(not available in IL, LA, UT, VT and WI) |
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Improvements and Betterments |
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Professional Liability |
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Signs |
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Premises Liability Included |
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| Notable Exclusions |
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| The following represent only some of the exclusions contained in this policy. |
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Abuse, molestation or exploitation
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Instruction/activities held on or in open water
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Acupuncture |
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(e.g.: lakes, ponds, ocean)
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Any adult-themed parties/meetings/trips, including but not
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Lead
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| limited to parties/meetings/trips during which demonstration of products
| - | Massage therapy
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| and/or services used in the adult entertainment industry takes place
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| Multi-passenger vehicles
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| Asbestos
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| Nuclear energy
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| Athletic competitions held/sponsored by the insured or in which
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| Sexually transmitted diseases
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| the insured's members participates
| - | Silica or silica-related dust
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| Bodily Injury to participants while in a hired auto or non-owned auto
| - | Specified recreational vehicles and activities- Aircraft/hot air balloon,
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| Cap on losses from certified acts of terrorism
| | Airport, Amusement devices: the ownership, operation, maintenance or use of
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| Commercial general liability standard exclusions (CG0001 4/13 ed)
| | any device or equipment a person rides for enjoyment, including, but not
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| Communicable diseases
| | limited to: mechanical or non-mechanical ride, slide or water slide (including
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| Cryogenic chambers/therapy
| | any ski or tow when used in conjunction with a water slide), inflatable
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| Cyber incident, data compromise and violation of statutes related to
| | recreational device, or vertical device or equipment used for climbing, whether
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| personal data
| | permanently affixed or temporarily erected. This exclusion does not apply to
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Cycling (other than stationary)
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video or computer games; or to any device that is specifically designed for the
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Employment related practices
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training or instruction of an activity for which you are enrolled. Animal, Bungee,
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Events, competitions, tournaments, camps/clinics, conducted or
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Dunk tank, Haunted attraction, Performer, Rodeo, Saddle animal, Snowmobile
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sponsored by, or on behalf of the insured, unless reported to and
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The sale or distribution of herbal, medicinal and/or nutritional |
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approved by us
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products |
| - | Fireworks
| - | The sport of boxing (contact/sparring) |
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Fitness/exercise operations related, in whole or in part, to performance
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The sport of wrestling |
| as an exotic dancer or similar occupation in the adult entertainment industry
| - | The operations listed as ineligible
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Full-sized trampolines
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Total pollution with a building heating, cooling & dehumidifying
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Fungi or bacteria
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equipment exception and hostile fire exception
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Independent Contractors (non-employees) under the age of 18, and/or
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Training programs for law enforcement, public safety and
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| instructing sports skills, and/or coaching of organized competitive
| | military personnel
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| athletic teams, and/or operating as a certified athletic trainer and/or
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| Unmanned aircraft
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exempt or non-exempt employee of a university or college
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