Health Club Insurance
You have invested incredible energy and time building a facility and crafting a reputation you can be proud of.
Protect all you have achieved with the industry’s lowest-cost comprehensive insurance programs that fit a wide spectrum of needs.
- Less than 50 cents per day gives you peace of mind from unknown liability exposures.
- A 20-year partnership between IDEA and Fitness and Wellness Insurance gives you a strong policy tailored for the demands of the health club industry.
- Fitness and Wellness Insurance is a member of A+ rated Philadelphia Insurance Companies, one of the world’s largest insurance underwriters.
- Being well insured is a basic business strategy, but it also reveals your quality services to clients. It marks you as an ethical, serious health club.
Health Clubs YOU ARE COVERED!
Activities and areas at your facility including weightlifting, swimming, jacuzzi, whirlpool, suntan booths, courts, group exercise, and many others, can be included on the policy. Our claims service is the best in the industry. You will receive a quick response and a thorough investigation on each claim. Building and personal property/home liability insurance can be purchased in most states/provinces. If you are renting a facility, you and the landlord can both be covered.Coverage can also include: baby-sitting negligence claims; all employees wherever they teach; and independent contractors.
You also benefit from stable liability insurance rates. The low loss ratio and clout of IDEA’s 5,000 studios and clubs keep insurance rates at competitive levels.
General Liability Insurance Coverage
Basic coverage for Health Clubs$1,000,000 per occurrence
$3,000,000 aggregate limit
Miscellaneous Professional Liability for Health Clubs protects against bodily injury arising out of rendering or failing to render services.
Personal Injury Liability for Health Clubs protects you against suits involving libel, slander, or wrongful invasion of privacy.
Sexual Abuse Liability for Health Clubs
$100,000 per occurrence
$300,000 aggregate limit
Products Liability for Health Clubs
$1,000,000 aggregate limit and others available
Higher Liability Insurance Limits Available
Now you can increase your professional insurance limits of liability at very reasonable rates. Protecting yourself and your business assets has never been more important.
| Liability and Property Application
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Liability Only Application
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Property Only Application
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“The Fitness and Wellness Insurance Program has provided us with excellent insurance coverage for over 12 years. As we have expanded our operations, they have met all our insurance needs.”
—Victor Brick IDEA Member since 1984 and CEO, Brick Bodies
