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Fitness program


The Fitness insurance program provides a multi-line package solution to workout facilities, athletic centers, and upscale fitness chains.

Insurance agents

Business owners

Contact your insurance agent or broker for access.


Fitness, workout facilities, day spas, athletic centers

Types of Risks

  • Health clubs
  • Tennis/racquet clubs
  • Athletic clubs
  • Day spas
  • Franchise gyms
  • New ventures (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
  • Cryotherapy exposures
  • Destination spas
  • Wellness spas
  • Medically invasive spa procedures


Nationwide, except LA, MT and VA

Submission requirements:

  • ACORD applications (including a complete SOV)
  • Supplemental applications
  • Currently valued loss runs (minimum 3 years)
  • Additional information may be required
  • Forms available upon request from Program Administrator

Coverages offered:

  • Blanket building/improvements and betterments/personal property on agreed value
    • 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