Welcome to the Fitness Studios & Health Clubs Insurance Program      

U.S. based owners and operators of health clubs and fitness studios specializing in programs and services that include aerobics, yoga, pilates, personal training and exercise classes. Coverage provided includes liability protection for the health club/fitness studio including its employees and volunteers, for liability claims arising out of the operations of the health club/fitness studio. Coverage does not extend to independent contractors of the fitness studio.

Click here to purchase instructor coverage»


How does it work?        

The process is simple! Click on the “Purchase Insurance” link below. The link will guide you through the process to purchase coverage via credit card or electronic check. Upon completion of the transaction, you can obtain a certificate of insurance for yourself as well as your landlord or equipment leasing company. Review the Program summary below. If you have other questions, please contact Kristee Emshwiller (kemshwiller@amerspec.com).

Purchase Insurance


Please click here to purchase insurance. Payment can be made from your credit card or checking account.

Purchase Insurance»

Retrieve Existing Quote»

Existing Policyholders»

Certificates of Insurance


Request an additional insured certificate of insurance or retrieve a previously requested certificate of insurance (requires confirmation number).

Request Certificate(s)»

Claims Management


Submit an incident report to your organization's claims management team via this website.

Report an Incident»


Program Summary

Eligible Studios/Clubs

-Fitness Studios
-Health Clubs

Ineligible Operations

-24-hour key card/keypad access operations
-Childcare services or facilities
-Climbing Walls
-Climbing walls / Traverse walls exceeding 6 foot in height
-Dance Studios / Martial Arts Studios / Gymnastics Studios
-Facilities outside of the U.S.
-Indoor tanning
-Medical or health care services
-Sports instructional facilities or schools
-Sports medicine / Physical therapy
-Saunas or steam rooms
-Swimming pools/hot tubs/whirlpools/jacuzzis
-Tumbling Apparatus
-Professional dance companies
-Trampoline Parks / Facilities
-Zip Lines

Optional Coverages Available

-Non-Owned and Hired Automobile Liability
-Abuse and Molestation
-Inland Marine coverage for contents and equipment
-Professional Liability


General Liablity Limits

-$1,000,000 Occurrence
-$5,000,000 General Aggregate
-$5,000,000 Products-Completed Operations Aggregate
-$1,000,000 Personal and Advertising Injury
-$1,000,000 Damage to Premises Rented to You
-$2,000 Medical Payments (except for participants)
-Participant Legal Liability Included

General Liability Notable Exclusions

-Asbestos Exclusion
-Lead Exclusion
-Fungi/Bacteria Exclusion
-Abuse or Molestation Exclusion (unless optional coverage is purchased) - Defense cost included within limit
-Fireworks Exclusion
-Exclusion - Bungee jumping; tackle football; concerts; day care operations (does not apply to child care services that facilities provide while parents remain on-site to participate in activities provided at the facility); swimming pools; water attractions; amusement devices; inflatable structures; go-karts and/or other motorized racing; carnivals/circuses/fairs; laser tag; paintball; climbing walls; traverse walls; zip lines; trapezes; overnight camps or competitions; martial arts involving weaponry; martial arts involving full-contact (including, but not limited to kickboxing, mixed martial arts); parkour/free running; training programs for law enforcement, public safety and/or military personnel; fighting and/or wrestling (including, but not limited to ultimate fighting, extreme fighting, cage fighting, boxing); adult-themed parties, meetings, trips (including, but not limited to, products and/or services pertaining to the adult entertainment industry); operations related to performance as an exotic dance or similar occupation in the adult entertainment industry; haunted attractions; gymnastics; extreme tumbling; cheerleading and/or stunt training; acrobatics and/or circus skills training; sale and/or distribution of herbal, medicinal or nutritional products; operations of ballroom rental facilities; operations of banquet and/or reception halls; dance halls; discotheques; nightclubs; professional production companies; professional dance companies; professional touring companies; trampoline parks/facilities; aerial silks/fabric training

Contents and Equipment Coverage

-Coverage for limits up to $150,000 are available online (higher limits require separate offline underwriting).
-Coverage is provided on a Replacement Cost basis.
-A deductible of $1,000 per occurrence applies.

Contents and Equipment Coverage Enhancements

Note: These enhancements do not increase the applicable Contents and Equipment Limit unless otherwise specified.

-Computer Systems - $25,000 Computer Equipment and $25,000 Media and Data
-Personal Effects - up to $5,000 per person
-Property of Others - $10,000
-Valuable Papers and Records - $50,000
-Accounts Receivable - $25,000
-Fire Extinguisher Recharge - $1,000 (no deductible applies)
-Outdoor Signs - $3,500 per sign in any one occurrence
-Earthquake Sprinkler Leakage - $10,000
-Loss of Use of Modifications Made to a Building You Do Not Own - $50,000 in addition to the Contents and Equipment Limit
-Water - $30,000 (total limit for water damage and Business Income/Extra Expense related to water damage) -Business Income and Extra Expense - $100,000 in addition to the Contents and Equipment Limit - 72-hour waiting period, no coinsurance applies
-Utility Services (Business Income and Extra Expense) - included in $100,000 BI/EE limit
-MRSA (Methicillin-Resistant Staphylococcus Aureus) Contamination (Business Income and Extra Expense) - included in the $100,000 BI/EE limit
-Optional coverage for glass is available, up to a $25,000 limit, for a flat charge of $250


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