Monday, April 11, 2011

Health, Fitness and Wellness

U.S. Insurance Services believes that fitness is a key ingredient to wellness and a healthy life. We practice fitness in our lifestyle and specialize in this growing industry. We understand how to provide broad form fitness center and gym insurance coverages for health clubs, fitness, pilates and dance studios along with day spas across the country. Each policy can be custom tailored by choosing comprehensive general liability limits up to $1,000,000 per occurrence/$3,000,000 General Aggregate/$3,000,000 Products Aggregate, Professional Liability, Employee Benefits, Liability, and much more.

Coverage Features


  • Premises liability
  • Personal injury liability
  • Employee benefits liability
  • Liquor Liability
  • Professional liability
  • 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
  • Elite Property Enhancement


  • Owned Automobiles
  • Non-Owned automobile exposures
  • Hired automobile exposures


  • Employee Dishonesty
  • Forgery or alteration
  • Theft, disappearance and destruction – inside / outside of premises

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

The following items must be submitted before we can determine acceptability of risk in this program:

  • Completed signed and 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

Day Spas

The Day Spa Product is insurance uniquely designed to fulfill a wide range of special insurance needs for the Day Spa sector. Each policy is custom tailored to address each insured’s unique exposures.

Coverage Features


  • Comprehensive General Liability - Limits to $1,000,000 each occurrence/$3,000,00 aggregate
  • Employee Benefits Liability
  • Professional Liability available on an Occurrence or Claims Made basis.
  • Umbrella Limits – up to $15,000,000


  • Special causes of loss on building, contents, loss of income and extra expense
  • Agreed Amount Endorsement available with property appraisal
  • Elite Property Enhancement provides Personal Property of Others, Valuable Papers and Records, Accounts Receivable, Automatic External Defibrillators, of Premises Power Failure and much more.
  • Automobile
  • Owned Automobiles
  • Non-Owned automobile exposures
  • Hired automobile exposures


  • Employee theft
  • Theft, Disappearance and destruction of client property

Documents Required for Proposal

  • Completed signed and dated Day Spa Supplemental Application
  • Completed ACORD Application
  • Website address
  • Currently valued insurance company loss runs for the current policy period and three prior years

10 reasons to choose U.S. Insurance Services

  1. Coverage available for both employed and sub contracted professionals including lifeguards racquet sports instructors, nurses, dieticians, physical therapists and aerobics and fitness instructors.
  2. Business income / extra expense – limit of $100,000 included
  3. Interest free monthly payments
  4. Liability coverage for child care
  5. EDP equipment limit of $50,000 included
  6. Risk management package included with every policy
  7. Professional liability coverage available
  8. Automatic external defibrillators – limit of $5,000 included
  9. Coverage for tanning liability available
  10. A+ rated company providing excellent security

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