The strength of the RPS Health and Fitness Program starts with an underwriting team that brings deep industry expertise and responsive service.

The program itself offers a flexible, non-admitted package solution to help you stay competitive in this dynamic sector.

  • AM Best A- (Excellent) carrier
  • Low minimum premiums, no deductibles
  • Available in the continental US
  • Professional claims handling
  • Proactive risk management insights
  • Policies are non-auditable

Target Risks and Coverages

Target Risks

  • Fitness clubs
  • Gyms
  • Boutique fitness studios
  • Yoga studios
  • No contact martial arts studios
  • Personal training facilities
  • Dance studios
  • Golf simulators

Out of Appetite

  • Individual personal trainers, dietitians or physical therapists
  • UFC/contact sparring exposures
  • Gymnastics and climbing wall exposures
  • Trampoline, ninja, or parkour exposures
  • National governing bodies

Liability Coverages

  • General liability up to $1M/$3M
  • Professional liability up to $1M/$1M limits
  • Sexual abuse and molestation liability up to $1M/$2M
  • Liquor liability up to $1M/$2M
  • Excess Up to $2M
  • Accident and Health coverage up to $25
  • Hired and Non-Owned Auto up to $2M/$2M

Property Coverages

  • Building up to $5M per location
  • Business personal property up to $1M per location (blanket basis available)
  • Coverage for fences, outdoor signs (attached or separate), tennis courts, etc.
  • Personal effects and property of others
  • Business income insurance

Meet Our Health and Fitness Program Team

Frequently Asked Questions

Ineligible exposures include those noted above and additionally: Shooting, Climbing Walls, professional and semi-professional sports, motorsports, mentorships, contact sparring, overnight exposures and transportation of participants.

Participant liability, sex abuse and molestation and liquor liability.

A 30-day lead time is highly suggested.

This program's differentiating factor is that it is E&S and with an A- rated carrier. This allows us to offer a strong product in a flexible manner by working with our experienced underwriting team.

We do offer risk management support to help discuss mitigation of claims and proper protocols.

This program is designed to be on a retail basis.

Yes, we have a broad appetite for health and fitness-related risks.

This program is not designed to cover individual trainers or professionals. It is intended for gyms and other health and fitness facilities. Individual trainers, dietitians and physical therapists would need their own coverage as they are typically independent contractors in this space.

The minimum premiums are $1,000 for GL and $500 for AH.

Yes, the program covers outdoor property, specialized equipment and tenant improvements.

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