Key Coverages
Liability, Property, Umbrella, Workers Comp & Surety Bonds for Fitness Facilities
The Protection You Need. Where You Need It. When You Need It.
SFIC protects you by providing coverage for a wide variety of exposures common to the fitness industry. We specialize in targeting risks for this unique industry and we are committed to ensuring that our insurance is comprehensive and altogether appropriate for the specific type of business or individual seeking coverage.
Liability Coverage
General Liability
Provides premises protection for any claims arising from the facilities you own, rent or occupy. You are indemnified for alleged negligence resulting in bodily injury, property damage or personal injury.
Professional Liability
Protects you against bodily injury to a client arising from a failure to render 'professional services,' defined as 'the providing of physical training, fitness counseling and nutritional counseling for a fee.'
Personal Injury
Protects against suits involving libel, slander and wrongful invasion of privacy.
Advertising Injury
Protects against claims arising out of misappropriation of advertising ideas such as the infringement of copyright on titles or slogans committed in the course of advertising your services.
Limited Cyber Liability
Provides Personal and Advertising Injury coverage for incidents that result from an unauthorized person hacking into your computer network or website.
Sexual Misconduct
Pays to defend insured against allegations of sexual misconduct.
Medical Payments (including members)
Reimburses a third party for medical expenses incurred as a result of bodily injury. Unlike most General Liability policies, our policies include coverage for Athletic Participants.
Property Coverage
We offer full property coverage including:
Property of others in your care, custody, and control
Included in Business Personal Property Definition.
Building Plate Glass
Included in Business Personal Property Definition.
Outdoor signs, attached and detached
Included in Building Definition.
Sewer, Drain, Sump Back-up (other than flood)
Direct damage and lost income.
Equipment Breakdown
Optional coverage available.
Umbrella / Excess Liability
Higher liability limits are available through umbrella or excess liability policies.
Workers Compensation
Many states require Workers' Compensation. Workers' Compensation insurance pays medical expenses, lost wages, and death benefits to employees who are injured or become ill because of work. SFIC has multiple markets for workers compensation insurance.
Buy Workers Comp Insurance
To apply, complete the Workers Compensation Coverage Application and mail, fax or email to:
Sports & Fitness Insurance Company
P.O. Box 1967, Madison, MS 39130
Phone: (601) 898-8464 x 2262
Fax: (601) 707-1037
Surety Bonds
SFIC provides surety bonds in all 50 states. However, not all states require health clubs to be bonded, and requirements may vary depending on factors, including:
- The number of years a business has been in operation
- Whether or not a facility receives prepaid memberships
- The total price of each prepaid contract
If you accept prepaid memberships or are a new club, it's best to check with your state to make sure that you are in compliance with their bonding requirements, which are typically mandated by the Attorney General's office, the Consumer Affairs Department or a similar governmental division.
Buy a Surety Bond
If your state requires you to be bonded, complete the Surety Bond Application and mail, fax or email to:
Sports & Fitness Insurance Company
Attention: Kim Tucker
P.O. Box 1967, Madison, MS 39130
Phone: (601) 898-8464 x 2262
Fax: (601) 707-1037
Email: ktucker@sportsfitness.com