Health club insurance

Our health club insurance is designed to meet the needs of your fitness club. Whether you are a small studio, large fitness club or gym, our program is designed with a full range of competitive insurance coverages and services that address the unique risks of fitness clubs and studios.

With our 20+ years of experience in the fitness industry, we can assist you in spotting emerging trends and identifying risk so you can avoid the types of incidents that lead to serious claims. Our in-house staff of sport and fitness professionals is dedicated to ensuring your business benefits from the highest level of customer service including fast turnaround on policy underwriting and claims resolution.

Coverage highlights

General liability

  • Including customized enhancements

Professional liability

Business property

Business income 

Employee practices liability

Abuse and molestation coverage

Employee benefits liability

  • Including customized enhancements
  • Equipment breakdown

Hired/non-owned auto liability

Excess umbrella coverage 

Other coverage highlights

  • Employee dishonesty
  • Crime
  • Inland marine

Health club exposures

  • Pools and spas
  • Ropes courses
  • Zumba/Pilates/Yoga
  • Rock walls
  • Bounce houses
  • Spin classes
  • 24/7 hour key access clubs with panic systems
  • Snack/juice bars
  • Nutritionists & chiropractors located in club (latter must provide COI)

Need coverage for your independent personal trainers?  We are the industry's leading provider of professionally liability coverage for personal trainers and group exercise instructors, including martial arts instructors.  For more information, click here.

*Notice: Markel specialists can only offer admitted products directly to consumers. Not all coverages or limits available in all states, please refer to policy forms for terms and conditions.

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