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Insurance for Health Clubs, Gyms, Fitness Centers & Studios

Request a Quote or Purchase Insurance for your Gym, Fitness Center or Studio

To request a quote or to purchase liability and property insurance for your facility, complete all application form(s) indicated below, attach any referenced ACORD application(s), and submit by:

Mail to Sports & Fitness Insurance Company, P.O. Box 1967, Madison, MS 39130
Email to our Submissions Department
Fax to (601) 707-1037

Our underwriters will review your application and will be in touch as soon as possible.
Please call us at (800) 844-0536 if you have questions.

Health Clubs Gyms & Fitness Centers
Martial Arts Studios
Dance Schools & Studios
Yoga & Pilates Studios
Swim Schools
Curves Franchises
Sports & Recreation Facilities
Fitness Professionals

Liability Coverage for Health Clubs, Gyms, Fitness Centers and Studios

This is a general description of coverages offered. Please refer to your policy for actual terms and conditions.

$2,000,000* Each Occurrence, Includes Professional Liability
$4,000,000* General Aggregate
$2,000,000* Personal and Advertising Injury Limit
$2,000,000* Fire Damage Limit – any one fire
$1,000,000* Abuse or Molestation Defense Cost – per occurrence
$10,000 Medical Expense – including participants
*Lower limits available.
*Umbrellas are available if SFIC writes the underlying General Liability

Liability Coverages provided under this program include:

Commercial General Liability: Provides premises protection for any claims arising from the facilities you own, rent or occupy. You are indemnified for alleged negligence resulting in bodily injury, property damage or personal injury.

Professional Liability: Protects you against bodily injury to a client resulting from a failure to render “professional services,” defined as “the providing of physical training, fitness counseling and nutritional counseling for a fee.”

Personal Injury: Protects against suits involving libel, slander and wrongful invasion of privacy.

Advertising Injury: Protects against claims arising out of misappropriation of advertising ideas such as the infringement of copyright on titles or slogans committed in the course of advertising your services.

Limited Cyber Liability: Provides Personal and Advertising Injury coverage for incidents that result from an unauthorized person hacking into your computer network or website.

Abuse or Molestation: Pays to defend insured against allegations of sexual misconduct.

Medical Payments: Reimburses a third party for medical expenses incurred as a result of bodily injury. Unlike most GL policies, our policy includes coverage for Athletic Participants.

Property Coverage for Health Clubs, Gyms, Fitness Centers and Studios

Coverages available under our optional Optimum Property Coverage include:

Property of others in your care, custody, and control: Included in Business Personal Property Definition.

Building Plate Glass: Included in Business Personal Property Definition.

Outdoor signs, attached and detached: Included in Building Definition.

Outdoor signs, attached and detached, if no building coverage: $50,000 for owned signs or signs for which the insured has contractual responsibility due to lease.

Sewer, Drain, Sump Back-up (other than flood): $50,000/premises (direct damage and lost income.)

Equipment Breakdown: Optional.

This is a general description of coverages offered. Please refer to your policy for actual terms and conditions.

Check out the Key Coverages page for more information on insurance types offered by Sports and Fitness Insurance Corporation.