Our package insurance policy for fitness centers is swelling with coverage features and has the strength of an "A++" rated Berkshire Hathaway Company.

Ineligible Fitness Centers
Please note we cannot offer coverage to the following:
  • Rock climbing activities
  • Trampoline or rebounding devices larger than 14 inches in diameter or more than 12 inches off the ground
  • Chiropractic, physical therapy or rehabilitation services
  • Members and guests are not required to sign a release/waiver of liability
  • Personal trainers and aerobics instructors are not required to be certified
  • Gymnastics instruction
  • Diet or weight loss clinics
  • Offers/allows contact martial arts
  • Risks located in AK, LA or WV

Available Coverage for Fitness Centers
  • Both general liability and professional liability are provided for one low premium
  • Professional liability limit is equal to the general liability limits
  • Molestation and abuse coverage at a $100,000/300,000 limit is included for no additional charge (higher limits are available)
  • Optional sublimit for tanning beds is available
  • Hired and non-owned automobile coverage is available
  • Club members automatically included as additional insured
  • Landlord can be included as additional insured for no additional charge

Coverage Limits Available for Fitness Centers
  • Property coverage is available in protection class 1-8 up to $3,000,000, up to $500,000 in protection class 9-10 and up to $500,000 in coastal areas excluding wind and hail
  • General liability up to $1,000,000/$2,000,000 with a tanning sublimit of $100,000/$300,000
  • Professional limits up to $1,000,000/$2,000,000

Optional Coverage for Fitness Centers
  • Equipment breakdown
  • Value Plus Endorsement - 15 additional coverages
  • Glass
  • Money and securities
  • Employee dishonesty
  • Sign
  • Stop gap (OH, ND, WA, WY)