Health Club Insurance – Limited Services

The lower-priced insurance program for the lower-risk health club

Save Up To 38% While Getting Rock Solid Coverage From the Leading Health Club Insurance Program in the Industry!

Specifically designed to meet the unique needs of U.S.-based health clubs with up to $500,000 in annual sales that offer programs and services that may include personal training, aerobics, yoga, Pilates, free weights, resistance machines, cardio machines, and a variety of exercise classes for members. Exercise studios and circuit training studios that are not eligible under our other programs because they exceed 3000 sq. ft. may be eligible under this program. 1

If you are an individual fitness instructor that does NOT own or long term lease a facility or are simply working on behalf of a exercise studio or health club, click here for individual fitness instructor coverage.

Limits of Liability and Premiums

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).

On-site On-site & Off-site
Health Club Coverage Health Club Coverage
General Aggregate (other than Products-completed Operations) $5,000,000 $5,000,000
(per owned location) (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) $1,000,000 $1,000,000
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: Rate per $1000 of Annual Sales $7.95 $8.75
Minimum Premium: $1,000 $1,100
Professional Liability for Independent Contractor (non-employees) $155.00

per instructor


per instructor

  • Higher limits are available through the online application process.
  • Rates are available from 01-01-2020 to 12-31-2020.
  • There is no charge for Additional Insureds.
  • Coverage is provided by a carrier rated A+ (Superior) by A.M. Best Company.

Ineligible Operations

  • Unattended or unstaffed 24 Hour keycard/keypad/keycode access, Unattended/unstaffed operations
  • Medical therapy or healthcare services
  • Physicals/Stress testing
  • Sports skills instructional facilities, academies, schools or programs
  • Facilities outside the U.S.
  • Physical Therapy
  • Swimming pools/hot tubs/whirlpools/Jacuzzis
  • Saunas/steam rooms
  • Salon services or indoor tanning
  • Sports rehabilitation services/therapy
  • Sports medicine


Please print the application for a list of exclusions

Optional Coverage


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.

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


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.

Limit Deductible Rate Minimum Premium
$5,000 (per claim) $100 (corridor deductible) $10.00 (per participant) $1,000.00


This program includes two options for coverage for claims arising out of sexual abuse or sexual molestation:

Option 1: $1,000,000 of liability coverage for sums the insured becomes legally obligated to pay as damages because of loss arising out of any actual or threatened sexual abuse or sexual molestation. This limit is part of, and not in addition to, the general liability limit section.

Option 2: $100,000 of coverage for reimbursement of defense costs only resulting from claims arising out of abuse, molestation, harassment or sexual conduct.

Option 1: $1,000,000 Sexual Abuse or Sexual Molestation Liability On-site – $1.54 per $1,000 of annual sales
On-site & Off-site – $1.70 per $1,000 of annual sales
($150.00 minimum premium)
Option 2: $100,000 Abuse, Molestation, Harassment or Sexual Conduct Defense Cost Reimbursement $100.00 (Flat Rate)

Please see application for complete coverage description.

Risk Management Content

Visit our Risk Management page to access the following important content:

  • Sample Waiver/Release – Minor and Adult
  • Are Waivers Worth the Paper They Are Written On?
  • Before You Sign the Facility Lease Agreement
  • Collecting Certificates of Insurance From Vendors
  • Types of Criminal Background Checks
  • Concussion Awareness Risk Management Program
  • Sports Organization Risk Management Program

This is not an all inclusive list, check out our Risk Management page for other articles, programs, videos and forms.