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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.


Fitness, wellness and spa facilities

Types of Risks

  • Health clubs
  • Tennis/racquet clubs
  • Athletic clubs
  • Destination and day spas
  • City and social clubs
  • 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
  • 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