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Health, Fitness & Wellness

10 Reasons Why™

  1. Abuse and Molestation coverage available
  2. Professional Liability available in most states under a separate coverage form with limits available up to $1M per professional incident and $3M aggregate
  3. Coverage for day nursery exposures provided
  4. Electronic data processing equipment limit of $50,000 included as part of our Elite Property Form
  5. Business Income/Extra Expense limit of $100,000 included as part of our Elite Property Form
  6. Coverage for Tanning Liability available
  7. Coverage available for both employed and sub-contracted professionals including lifeguards, nurses, dieticians, physical therapists, aerobic, fitness,and racquet sports instructors
  8. PHLY Waiver Saver Program
  9. Property coverage afforded for Automatic External Defibrillators (AED) - $5,000 limit
  10. Interest-free installments available for accounts that generate at least $2,000 in premium

Health, Fitness & Wellness 10 Reasons Why

Benefits of the Program

Philadelphia Insurance Companies subscribes to the belief that fitness is a key ingredient to wellness and a healthy life. Because we practice fitness in our lifestyle and have specialized in this growing industry, we understand how to provide broad form fitness center and gym insurance coverages for health clubs, fitness, Pilates, dance studios, Salons and Day Spas across the United States. If your facility is less than 5,000 square feet and focused on personal training, yoga, Pilates or is a day spa please proceed to our Fitness & Wellness Product page.

  • Special causes of loss on building, contents, loss of income, and extra expense
  • Additional coverage enhancements including: Ordinance or Law, Off Premises Power Failure, Utility Services, EDP, Business Interruption and Extra Expense (including Contingent), and much more
  • Special Events Coverage outside the club is included for the entity and professional instructors or consultants
  • Coverage extended to the entity and Employed Professionals including Lifeguards, Racket Sports Instructors, Dieticians, and Aerobic and Fitness Instructors
  • Large Excess Limits Available

Supplemental Applications

Please select state specific forms when applicable.

Documents Required for Proposal

  • Completed and signed/dated PHLY Health and Fitness Supplemental Application
  • Completed Acord application(s)
  • Currently valued insurance company loss runs for the current policy period plus three prior years
  • Copy of health club membership application, including waiver language
  • Copy of medical disclosure
  • Brochure, advertising materials, and website information

PHLY "Waiver Saver" Program

Philadelphia Insurance recognizes the critical role that waivers play in the ability of organizations to protect themselves. As waiver construction, verbiage and enforceability continues to grow in terms of importance to our clients, Philadelphia Insurance has developed and trademarked the "Waiver Saver" Program, available only to insureds with Philadelphia.

As an insured with Philadelphia, you will be given access to our Waiver Saver homepage on our Risk Management Services site, which will provide the following resources:

  • Specific recommendations for constructing a Comprehensive Waiver of Liability
  • Sample Waiver Templates
  • Legal contacts references from around the country who specialize in specific issues that need to be addressed in your local jurisdictions

Please click here if you are currently insured and wants to receive full access to recommendations, sample waiver, and legal contact directory.


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