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.