Specifically designed to meet the needs of the Health, Fitness & Wellness Facilities, Philadelphia Insurance Companies coverage taps into a unique and growing market. With the driver for healthy habits speeding up at high rates, the demand for the specific coverage has grown.

Fitness and Wellness coverage is designed to meet the needs of many categories such as:

  • Health Club Facilities, membership based
  • Fitness and Sport Facilities, training and instruction based
  • Martial Arts Studios
  • Yoga Studios
  • YMCA’s 
Keep in mind for Fitness & Wellness, there are quite a few products that the insured can access directly and can obtain quotes and bind coverage themselves with Philadelphia. More specifically for individual fitness instructors or studios, the carrier does not pay commission or use brokers for those policies since the insured can access the portal directly and obtain quotes from the website for $175 in premium. However, for other Fitness & Wellness policies they do accept submission and follow a normal quoting process.

Key Benefits

General and Professional Liability

  • Comprehensive General Liability and Professional Liability
  • Personal Injury Liability
  • Special Events Insurance for outside the club/facility
  • Coverage extended to contracted professionals
  • Zero Deductible for General Liability
  • Abuse and Molestation Coverage Available

Risk Management Services

  • PHLY Product specific web-based Risk Management Services solutions
  • Regular e-flyer communications on current Risk Management Services issues and Large Loss Lessons Learned
  • Strategic partnership with best-in-class vendor for discounted background & motor vehicle record (MVR) checks

Coverage Limits

Type Limits
General and Professional Liability $1,000,000 per occurrence/$3,000,000 aggregate limit
Sexual Abuse Liability $100,000 per occurrence/$300,000 aggregate limit
Products Liability $1,000,000 aggregate limit
Medical Payments $2500
Damage to Premises $100,000

This unique coverage is a great way to introduce additional protection to commercial clients in the fitness and wellness industry.

If you have any questions or would like to get a quote, please contact Robin Leckner at commercial@mibsga.com or 847.631.6658. 

For additional information and marketing materials, visit www.phly.com, under Products, Select Health and Fitness.