Health and Fitness Clubs

Amenities are what members love about fitness and health clubs, but they’re also what make them tough to insure. Health and fitness clubs are as diverse as the clients they serve, and they require special coverage.

SECURA’s Specialty Lines underwriters are well-versed in the risks health clubs present, and they work with agents and business owners to find the right coverage for each unique business. 


 Available coverage benefits:

  • Professional liability for physical training, fitness and nutritional counseling, and more
  • Liability for climbing walls, water slides, and other unique activities 
  • Participant liability may be available for sponsored teams, leagues, tournaments
  • Tanning and massage services
  • Workers’ Compensation
  • Excess medical payments for members injured while working out
  • On premises medical payments
  • Additional insured club members
  • Limited discrimination coverage
  • Abuse and molestation liability
  • Limited pollution endorsement (pool exposures)
  • Hired/non-owned auto
  • Professional liability for licensed daycare or childcare services

Types of businesses insure:

  • 24-hour fitness facility
  • Yoga, barre, and Pilates studios (hot and regular)
  • Suspension training (TRX) and aerial silks studios
  • CrossFit
  • Boot camps
  • High intensity and interval training
  • Martial arts studios (karate, tai kwon do)
  • Sports complexes (soccer, volleyball, basketball, baseball, tennis, ice and roller skating rinks)
  • Aquatic complexes