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/key code access |
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Physical therapy |
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operations or unattended/unstaffed operations |
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Physicals or stress testing |
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Annual sales more than $500,000 |
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Salon services or indoor tanning |
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Childcare services/facilities |
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Saunas or steam rooms |
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Climbing walls |
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Sports medicine |
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CrossFit Affiliate Owners* |
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Sports rehabilitation services/therapy |
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Dance studios* , Gymnastics/cheer studios* |
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Sports skills instructional facilities, academies, schools |
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Martial arts studios* |
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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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Medical, therapy or health care services |
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*Facilities that offer programs and services that are not eligible for this program should contact us at 800-622-7370. |
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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. |
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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, Harassment or Sexual Conduct Defense |
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Premises Liability Included |
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Cost Reimbursement |
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Off-site Premises Liability Available |
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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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Supplies and Inventory |
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Legal Liability to Participants |
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Signs |
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(not provided while in Hawaii) |
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Professional Liability |
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Notable Exclusions |
The following represent only some of the exclusions contained in this policy: |
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Abuse, molestation, harassment or sexual conduct |
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Fungi or bacteria |
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Acupuncture |
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Instruction/activity held on or in open water |
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All operations listed as ineligible |
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(e.g.: lakes, ponds, ocean) |
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Amusement devices (eg: rides, slides, inflatables, bungees, |
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Lead |
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climbing walls, dunk tanks) |
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Massage therapy |
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Asbestos |
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Nuclear energy liability |
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Athletic competitions held/sponsored by the insured or in which |
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Sale or distribution of herbal, medicinal and/or nutritional |
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the insured's members participate |
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products |
- | Communicable Diseases | - | The sport of boxing (contact/sparring) |
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Cryogenic chambers/therapy |
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The sport of wrestling |
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Cycling (other than stationary) |
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Training programs for law enforcement, public safety and |
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Employment-related practices |
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military personnel |
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Events, competitions, tournaments, camps/clinics conducted |
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Transportation of participants/members |
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or sponsored by, or on behalf of the insured, unless reported |
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Violation of statutes that govern e-mails, faxes, phone calls |
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and approved by us |
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or other methods of sending materials or information |
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Fireworks |
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