Monday, April 11, 2011

Dance & Gymnastics Studios

U.S. Insurance Services specializes in providing insurance for health and wellness individuals including professional fitness trainers, pilates instructors, coaches, yoga teachers, dance instructors and martial arts instructors, as well as health and wellness studios that are less than 5,000 square feet including fitness studios, pilates studios, dance studios and martial arts studios.

Coverage Features

General Liability

  • Premises liability
  • Comprehensive General Liability - limits to $2,000,000
  • Personal injury liability
  • Employee benefits liability
  • Coverage for tanning available
  • Liquor Liability
  • Special Events Coverage outside the club is included for the entity and professional instructors or consultants
  • Coverage extended to entity and employed professionals including lifeguards, racket sports instructors, nurses, dieticians, physical therapists and aerobic and fitness instructors
  • Umbrella limits - up to $15,000,000


  • Blanket limits with large in-house capacity
  • All risk on buildings, contents, loss of incomes, and extra expense
  • Coverage extended to include property of customers in your care custody or control - $10,000
  • Spoilage
  • Signs (attached or unattached) - $25,000
  • Precious metals (trophies) - $5,000
  • Business income and extra expense - $100,000
  • Pollutant clean-up and removal - $25,000
  • Employee dishonesty - $25,000
  • Theft, disappearance and destruction - $10,000
  • Elite Property Enhancement


  • Owned automobile
  • Non-owned automobile exposures
  • Hired automobiles
  • Hired car physical damage
  • Rental reimbursement for private passenger vehicles

Crime & Fidelity

  • Employee dishonesty
  • Theft, disappearance, and destruction
  • Forgery or alteration

Acceptable Classes of Business

  • Health Clubs whose revenues are primarily driven by memberships that include:
    • Health
    • Racquetball
    • Basketball
    • Tennis
    • Squash
  • Health Clubs that have been in business for more than three years, or less than three years with solid management and good financials
  • Acceptable Exposures include:
    • Swimming Pools (as an incidental exposure)
    • Tennis Courts (Property coverage not
    • available for Tennis Bubbles)
    • Basketball Courts
    • Batting Cages Showers/Saunas/Whirlpools/Steam Rooms Personal Trainers/Aerobics Instructors
    • Physical Therapists
    • Massage Therapists
    • Tanning Beds (bulbs must be at least 90% UVA)

Documents Required for Proposal

  • Completed and signed, dated Health and Fitness Club Application
  • Completed ACORD applications
  • Picture of facility
  • Copy of medical disclosure
  • Copy of waiver language
  • Advertising brochures (if available)
  • Insured's website
  • Currently valued insurance company loss runs for the current policy period and three prior years

Call 1-800-874-1738 x201

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