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Professionals & Businesses Fitness Centers
Professionals & Businesses Fitness Centers Fitness Centers
By welcoming the public and operating in the field of wellness and health, fitness centers must have a good coverage in case of an accident.
**Available for Ontario , Saskatchewan , Manitoba , Alberta , British Columbia and Prince Edward Island
Target
- Health clubs, gyms, circuit training, yoga, and Pilates studios
- Risks with up to $2,000,000 in annual sales, four sport courts and four tanning units
- Offers incidental massage or child sitting services
- New ventures are eligible
Coverage
- Property values up to:
- $3,000,000 in FUS grades 1–8
- $500,000 in FUS grades 9–10
- $1,000,000 in coastal zones (excluding wind and hail coverage)
- General liability up to $5,000,000
- Hired and non-owned auto liability up to $5,000,000
Underwriting norms
- Professional liability coverage provided for no additional charge
- Includes molestation and abuse coverage at $100,000 per occurrence/$300,000 aggregate limit for no additional premium
- Defense cost coverage provided outside the limit of liability
- Personal trainers covered for no additional premium
- Child sitting services covered for no additional premium
- Limited tanning bed liability coverage available
- Hired and non-owned auto liability coverage available
- Club members automatically included as additional insureds
- Ability to include landlords as additional insureds for no additional premium
- No liability deductible
- Expanded definition of bodily injury to include sickness or disease caused by mental anguish or emotional distress