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Liability, Property, Umbrella, Workers Comp. & Surety Bonds for Fitness Facilities

The Protection You Need. Where You Need It. When You Need It.

SFIC protects you by providing coverage for a wide variety of exposures common to the fitness industry. We specialize in targeting risks for this unique industry and we are committed to ensuring that our insurance is comprehensive and altogether appropriate for the specific type of business or individual seeking coverage.

Liability Coverage

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 arising 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.

Sexual Misconduct

Pays to defend insured against allegations of sexual misconduct.

Medical Payments (including members)

Reimburses a third party for medical expenses incurred as a result of bodily injury. Unlike most General Liability policies, our policies include coverage for Athletic Participants.

Property Coverage

We offer full property coverage including:

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: For owned signs or signs for which the insured has contractual responsibility due to lease.

Sewer, Drain, Sump Back-up (other than flood): Direct damage and lost income

Equipment Breakdown: Optional.

Umbrella/Excess Liability

Higher liability limits are available
through umbrella or excess liability policies.

Workers Compensation

Many states require Workers’ Compensation. Workers’ Compensation insurance pays medical expenses, lost wages, and death benefits to employees who are injured or become ill because of work. SFIC has multiple markets for workers compensation insurance.

Buy Workers Comp Insurance

To apply, complete this Workers Compensation Coverage Application and mail, fax or email to:

Sports & Fitness Insurance Company
P.O. Box 1967
Madison, MS 39130
Phone: (601) 898-8464 x 2262
Fax: (601) 707-1037
E-mail to the Submissions Department

Surety Bonds

SFIC provides surety bonds in all 50 states. However, not all states require health clubs to be bonded, and requirements may vary depending on factors, including:

  • The number of years a business has been in operation
  • Whether or not a facility receives prepaid memberships
  • The total price of each prepaid contract

If you accept prepaid memberships or are a new club, it’s best to check with your state to make sure that you are in compliance with their bonding requirements, which are typically mandated by the Attorney General’s office, the Consumer Affairs Department or a similar governmental division.

This list of State Surety Bond Contacts is a good place to start if you are unsure whether you require a surety bond.

Buy a Surety Bond

If your state requires you to be bonded, complete this Surety Bond Application and mail, fax or email to:

Sports & Fitness Insurance Company
Attention: Kim Tucker
P.O. Box 1967
Madison, MS 39130
Phone: (601) 898-8464 x 2262
Fax: (601) 707-1037
E-mail to Kim Tucker