| Eligible Operations |
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| U.S. based health clubs with annual sales of $500,000 or less qualify for this program. |
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| Ineligible Operations: |
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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):
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Unattended/unstaffed 24-hour key card/keypad/keycode |
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Physicals or stress testing
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access operations or unattended/unstaffed operations |
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Programs specifically designed for health disorders/diseases,
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Annual sales more than $500,000
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unless reported to and approved by us
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Childcare/babysitting services/facilities |
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Salon services or indoor tanning
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Climbing walls |
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Saunas or steam rooms
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Crossfit® Affiliate Owners and/or CrossFit® programs/activities* |
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Sports medicine
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Dance studios* , Gymnastics/cheer studios* |
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Sports rehabilitation services/therapy
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Martial arts studios* |
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Sports skills instructional facilities, academies, schools or programs
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Facilities located outside of the U.S. |
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Swimming pools/hot tubs/whirlpools/jacuzzis/cold plunge |
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Ice skating, roller skating or skating treadmills
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The sport of boxing (contact/sparring)
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Medical, therapy or health care services
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The sport of wrestling
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| Parkour/Ninja/Obstacle course programs or facilities
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| Physical therapy
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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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Premises Liability Included |
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Cost Reimbursement |
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Professional Liability
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Sexual Abuse or Sexual Molestation Liability |
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Damage to Premises Rented to You
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Equipment and Contents (Inland Marine) |
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Medical Expense (other than participants
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Bodily Injury to Participants Liability
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Hired Auto and Employers' Nonownership Liability
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| (not available in IL, LA, UT, VT and WI)
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Notable Exclusions |
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/activity 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 limited to
| - | Lead
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| parties/meetings/trips during which demonstration of products
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| 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 the
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| Sexually transmitted diseases
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| insured's members participate
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| Silica or silica-related dust
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| Bodily injury to participants while in a hired auto or non-owned auto
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| 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
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| Commercial general liability standard exclusions (CG0001 4/13 ed)
| | maintenance or use of any device or equipment a person rides for
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| Communicable Diseases
| | enjoyment, including, but not limited to: mechanical or
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| CrossFit Affiliate owners and/or Cross fit programs/activities
| | non-mechanical ride, slide, or water slide (including any ski or tow
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| Cryogenic chambers/therapy
| | when used in conjunction with a water slide); inflatable recreational
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| Cyber incident, data compromise, and violation of statutes
| | device; or vertical device or equipment used for climbing, whether
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| related to personal data
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Cycling (other than stationary)
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apply to video games or computer games; or to any device that is
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Employment-related practices
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specifically designed for the training or instruction of an activity for
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Events, competitions, tournaments, camps/clinics conducted
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which you are enrolled. Animal, Bungee, Dunk tank, Haunted
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or sponsored by, or on behalf of the insured, unless reported
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attraction, Performer, Rodeo, Saddle animal, Snowmobile
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and approved by us
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The sale or distribution of herbal, medicinal and/or nutritional |
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Fireworks
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products |
| - | Fitness/exercise operations related, in whole or in part, to
| - | Those operations listed as ineligible
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| performance as an exotic dancer or any similar occupation in the
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Total pollution with a building heating, cooling & dehumidifying
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adult entertainment industry
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equipment exception and hostile fire exception
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Full-size trampolines
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Training programs for law enforcement, public safety and
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Fungi or bacteria
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military personnel
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Independent Contractors (non-employees) under the age of 18,
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Transportation of participants/members not athletes/participants
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| | and/or instructing sports skills, and/or coaching of organized
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| Unmanned aircraft
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| competitive athletic teams, and/or operating as a certified athletic
| - | Use of projectile weapons including, but not limited to firearms,
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| trainer and/or exempt or non-exempt employee of a university
| | tasers, and defense sprays
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| or college
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| Use of sharpened/bladed weapons
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