Policy Highlights:
Property and Liability Coverage available on mono-line or package basis 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.
Commercial General Liability Coverage available for personal trainers:
• Primary Limits up to $3,000,000 Occurrence and Aggregate
• Liquor Liability
• Hired and Non-owned Auto
• Excess or Umbrella Limits up to $25,000,000
• Included Coverages:
- Medical Payments Coverage—$5,000 Limit
- Blanket Additional Insured Endorsement
- Club Members as additional insureds
- Errors and Omissions Coverage Part—Policy Limits
- Sexual and Physical Abuse Coverage—$25,000 per claim and $50,000 Aggregate (Higher optional limits available)
- No deductible required
- Loss Prevention Brochure available
Property Coverage available:
• Accounts Receivable
• Basic, Broad or Special Form
• Building
• Business Income
• Computer Equipment
• Contents
• Equipment Breakdown
• Food Spoilage
• Inland Marine
• Outside Signs
• Replacement Cost or ACV
• Valuable Papers
Crime Coverage available:
• Inside the Premises— Theft of Money and Securities
• Inside the Premises— Robbery or Safe Burglary of Other Property
• Outside the Premises