Fitness Center

We are in great shape to handle your Fitness Center business! Our product targets fitness centers with up to $2 million in annual sales per location. Eligible classes include aerobic studios, corporate fitness centers, independently owned fitness centers and franchised fitness centers.

Product Features

  • Available as monoline liability or as a package
  • Coverage for the following exposures is automatically included for no additional charge:
    • Profesional liability
    • Molestation and abuse at a $100,000/$300,000 limit (increased limits available for a charge)
    • Child sitting services
    • Personal trainers/aerobic Instructors
    • Four sport courts
    • Jacuzzis, hot tubs, saunas and steam rooms
  • Landlords, property managers, club members and mortgagees can be named as additional insureds for no additional charge
  • General liability coverage with expanded definition of bodily injury to include mental anguish and emotional distress
  • No liability deductible
  • Low minimum premiums

Package Coverages Available:

  • Property coverage using ISO's broad April 2002 coverage form
  • Value Plus Endorsement – 15 additional coverages for one flat charge
  • Equipment breakdown – includes free boiler inspections if required in your jurisdiction
  • Special form and replacement cost coverage is available
  • Money and securities coverage
  • Employee dishonesty coverage

Additional Advantages:

  • A.M. Best rated A++ carrier
  • Quick quote and binder turnaround
  • Policyholders have access to many services through our Business Resource Center that will assist in growing and protecting their businesses
  • Limited coverage for tanning units
  • Coverage for massage services
  • Stop gap liability*
  • Coverage for special events with up to 500 attendees
  • Hired and non-owned auto coverage

Coverages and exclusions differ by carrier and by state. Specific concerns can be discussed with an underwriter.

800.635.4742, Ext.98303