Fitness, wellness and spa


The Fitness, wellness and spa program offers a multi-line insurance package solution for fitness chains and wellness and spa facilities.


Upscale Fitness, wellness and spa facilities and fitness chains

Types of Risks

  • Health clubs
  • Tennis/racquet sports clubs
  • Athletic clubs
  • Gyms and similar facilities
  • Destination and day spas
  • Aerobic studios
  • Cardio studios
  • Mind/body studios
  • Pilates studios
  • Yoga and other niche boutique fitness studios
  • Dance studios
  • Fitness franchise operations
  • New business ventures welcome with qualified industry experience

Ineligible risks (if applicable):

  • Stand-alone gymnastic facilities
  • Stand-alone climbing wall facilities
  • Amusement centers
  • Dedicated martial arts/MMA facilities
  • Facilities running sports leagues without a Sports Accident policy in place

The following services are ineligible if a separate Professional Liability policy is not in place or the services are excluded from the commercial General Liability policy:

  • Tattoo or micropigmentation facilities
  • Spas providing cryotherapy, microdermabrasion, Botox or injections, or medical procedures


Nationwide, except LA, MT and VA

Submission requirements:

  • Forms available upon request from Program Administrator
  • ACORD applications (including a complete SOV)
  • Supplemental applications
  • Currently valued loss runs for the past five years
  • Financial statements

Coverages offered:

  • Blanket building/improvement and betterments/personal property
    • Business income
    • Replacement cost valuation on equipment
  • General Liability
  • Professional Liability
  • Liquor Liability
  • Commercial Auto, including GKLL for Valet Services
  • Excess and Umbrella Liability (limits to $25 million and higher)
  • Cyber Risk & Privacy Liability
  • Directors & Officers Liability
  • Employment Practices Liability with separate aggregate

Coverage limits:

  • Excess and Umbrella Liability (limits to $25 million and higher)

Admitted or non-admitted paper:

  • Admitted