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Exercise Studio Program
Save Up To 38% While Getting Rock Solid Coverage From the Leading Health Club Insurance Program in the Industry!
PROGRAM DESCRIPTION
Specifically designed to meet the unique needs U.S. based of owners and operators of studio facilities (with less than 3000 square feet of space) that offer personal/individual training, exercise, aerobics, yoga, or pilates activities where people participate in scheduled fitness programs under the direct supervision of a fitness professional such as a personal trainer or exercise instructor.
* If Your Exercise Studio has more than 3,000 square feet of space, click here for our Health Club Program |
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ELIGIBLE OPERATIONS
(THIS IS NOT A COMPLETE LISTING OF ELIGIBLE OPERATIONS) |
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Aerobics |
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Children's Fitness Programs |
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GYROTONIC® Exercise |
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Pilates |
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Spinning |
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Personal Training |
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INELIGIBLE OPERATIONS
(THIS IS NOT A COMPLETE LISTING OF INELIGIBLE OPERATIONS) |
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Sports rehabilitation services/therapy |
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Unattended / unstaffed 24 hour key card / key pad / key code access operations or unattended / unstaffed operations |
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Child Care Services |
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Dance Studios |
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Climbing Wall |
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Ice skating, roller skating or skating treadmills |
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Open access to members to utilize facility on a self-directed basis outside of a structured program. |
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Swimming pools / hot tubs / whirlpool / Jacuzzis / cold plunge |
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Sports skill instruction facilities, academies, schools or programs. |
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Physical Therapy |
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Salon Services/Tanning |
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Sports Medicine |
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Saunas or Steam Rooms |
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Notable Exclusions : Please print the application for additional exclusions contained in this policy.
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| LIMITS OF LIABILITY AND PREMIUMS |
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On-site Coverage: Applies to the instruction activities of you and your employees and the business operations at your insured premises only.
On-site and Off-site Coverage: Applies to the instruction activities of you and your employees and the business operations at your insured premises and also extends to locations away from your insured premises (e.g.: training or class instruction at other locations).
*Higher limits are available upon request – please call 1-800-622-7370*
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On-site
Studio Coverage |
On-site & Off-site
Studio Coverage |
| General Aggregate (other than Products-completed operations.) |
$3,000,000
(per owned location) |
$3,000,000
(per owned location) |
| Products/Completed Operation Aggregate |
$1,000,000 |
$1,000,000 |
| Each Occurrence |
$1,000,000 |
$1,000,000 |
| Personal & Advertising Injury |
$1,000,000 |
$1,000,000 |
| Legal Liability To Participants |
$1,000,000 |
$1,000,000 |
| Professional Liability |
$1,000,000 |
$1,000,000 |
| Damage To Premises Rented To You (Fire Legal Liability) |
$300,000 |
$300,000 |
| Medical Expense (other than participants) |
$5,000 |
$5,000 |
| Hired Auto and Employer's Nonownership Liability (not provided while in Hawaii) |
$1,000,000 |
$1,000,000 |
| Premium: Square Footage 0-1,000 sq. ft. |
$455 |
$500 |
| Premium: Square Footage 1,001-2,000 sq. ft. |
$910 |
$1,000 |
| Premium: Square Footage 2,001-3,000 sq. ft. |
$1,365 |
$1,500 |
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* Rates are available from 12-01-2011 to 11-30-2012
** There is no charge for Additional Insureds.
*** Notice to Agents & Brokers: There are no commissions included in this program
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Important Note
- Professional liability insurance is included for the studio owner(s) and for the studio employees
- Independent contractors are not automatically covered under this policy
- If your independent contractors have professional liability insurance, their name and limit of insurance needs to be filled in on your studio application
- If Professional Liability coverage is needed for Independent Contractors, the following options are available:
- Add the $1,000,000 Professional Liability to your Exercise Studio coverage ($155.00 for On-site coverage only or $170 for On-site and Off-site coverage. Cost is per instructor).
- The individual instructor can purchase the $1,000,000 Professional Liability on a direct basis and name your studio as an additional insured. They would then have coverage wherever they may be instructing (except out of their own home or facility/gym). (Cost is $179 for a certified instructor or $230 for a non-certified instructor. The "certified instructor" rate requires that a copy of the certification be submitted with their application.) Click here to access our Individual Sports & Fitness Instructors Program
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| Please See Application For A Complete Coverage Description |
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| OPTIONAL EQUIPMENT & CONTENTS
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This provides coverage for direct loss or damage to your supplies and equipment, furnishings, improvements and betterments, signs and non-structural glass due to theft, fire, vandalism or other covered causes (subject to actual policy terms and conditions). You must insure the full replacement cost of all of your equipment and contents to avoid a co-insurance penalty at the time of loss.
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| Replacement Cost Value |
Deductible |
Premium |
Minimum Premium |
| $1 - $10,000 |
$250 |
Replacement Cost Value X .03 |
$100 |
| $10,001 - $100,000 |
$1,000 |
Replacement Cost Value X .026 |
$100 |
| $100,001 and Up |
$2,500 |
Replacement Cost Value X .026 |
$100 |
* If you have any single items with a value of $5,000 or more, you must include a list of those items and their value with the enrollment form.
* Coverage is not available in New Jersey |
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| OPTIONAL MEDICAL PAYMENTS FOR PARTICIPANTS COVERAGE |
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This coverage pays the medical and dental expenses incurred by a "participant" when an accidental injury occurs while participating in fitness or exercise activities at the insured’s owned/operated locations. “Participant” means any person practicing, instructing or participating in any physical exercises or games, sports or athletic contests. Participant does not include any compensated member of your staff, including employees and independent contractors. The coverage is provided on an excess basis, responding after all other medical coverage available to the participant has been exhausted. If no other medical coverage exists, the coverage becomes primary. A $100 corridor deductible applies to each claim and the benefit period is two years from the date of the accident.
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Deductible |
Rate |
Minimum Premium |
| $5,000 (per claim) |
$100 (corridor deductible) |
$10.00 (per participant) |
$1,000.00 |
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INSURANCE CARRIER
Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company |
Risk Management
Click Here For Free Articles And Reports On How To Protect Yourself Against Devastating Injuries and Lawsuits In Your Health Club! |
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