Get your profits in shape with this program for health and exercise clubs, including exercise equipment clubs, aerobic studios, weight-lifting gyms, personal trainers, masseuses/massage parlors, dance studios and physical therapists. Childcare for club members while on premises is included.

General Liability

• Primary Limits up to $3,000,000 Occurrence/Aggregate
• Hired and Non-owned Auto
• Liquor Liability

Included Coverages:

• Medical Payments Coverage – $5,000 Limit
• Blanket Additional Insured Endorsement
• Club members as additional insureds
• Errors and Omissions – Policy Limits
• Sexual and Physical Abuse Coverage – $25,000 per Claim/$50,000 Aggregate (Higher optional limits available)

Deductible:

• No Deductible Required

Property

• Basic, Broad or Special Form
• Replacement Cost or ACV
• Building
• Contents
• Business Income
• Equipment Breakdown
• Accounts Receivable
• Computer Equipment
• Outside Signs
• Valuable Papers
• Food Spoilage

Crime

• Inside the Premises – Theft of Money and Securities
• Outside the Premises