Six kinds of facility. One team that's seen all of them.
One yoga studio or twenty locations with a pool — same specialists, same phone number.
Fitness gyms & studios
24-hour access, boutique strength, or full-service with group fitness — your exposure moves with every new member, class and machine on the floor.
- What we watch for
- Member injury on equipment
- Waiver & release wording
- Equipment breakdown
- Independent-contractor trainers
- Group fitness & HIIT programming
- Unstaffed access hours
Yoga & mind-body studios
The calmest room in fitness still generates claims — usually from contact, heat, or a class held somewhere other than your own room.
- What we watch for
- Hands-on adjustment claims
- Hot-room heat & humidity
- Retail & product liability
- Teacher-training programs
- Pop-up and off-site classes
- Visiting instructor coverage
Racquet clubs
Tennis, pickleball, squash and paddle put leagues, juniors, tournaments and spectators on your property, each for a different reason.
- What we watch for
- Court surface & lighting condition
- League & tournament play
- Junior programs & camps
- Pro shop and stringing services
- Spectator areas
- Coaching staff classification
Swimming pools
A pool changes an insurance program more than almost anything else a club can add.
- What we watch for
- Lifeguard staffing & certification
- Unsupervised swim hours
- Swim lessons & junior squads
- Chemical handling & storage
- Deck slips & drain compliance
- Spa, sauna & steam rooms
Multi-site clubs & chains
Two locations or twenty: one program covering all of them, with schedules that stay accurate as you open, close and remodel.
- What we watch for
- Location schedule accuracy
- Blanket vs. per-site limits
- Landlord & lease requirements
- Certificates for each site
- Payroll & comp across states
- Corporate entity structure
And much, much more.
If your operation doesn't fit a neat category, we've probably written one like it. Bring it to us and we'll tell you honestly.
Certified trainer liability program.
You work hard to keep clients fit. How much of that effort has gone into keeping your own practice fit?
Built for individually certified professionals — not a club policy trimmed down.
- Customised coverage for
- General liability
- Personal injury
- Professional liability
- Abuse & molestation
Not sure which one you are?
Most clubs are two or three of these at once. Start the quote and we'll sort it out with you.