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Protection for Fitness and Sports Facilities

Reaching peak performance requires dedication and hard work. Your independent agent and The Cincinnati Insurance Company apply this same level of commitment to provide you with an insurance program specific to the needs of your business.

Whether your organization is a health and exercise club, indoor or outdoor sports complex, tennis or racquet club, dance, aerobics, Pilates, spinning, gymnastics or yoga studio, consider insuring it with our Fitness & Recreation Program.

Enhance Your Property and Liability Coverage

The Fitness & Recreation Program includes our standard property and general liability coverage forms, as well as Cincinnati Data Defender. You can further customize your insurance program by purchasing additional specialized coverages:

  • Fitness & Recreation Property Endorsement − adds a bundle of nine coverages to meet the specific needs of a fitness facility.
  • Fitness & Recreation Expanded Commercial Property Endorsement − includes all of the property coverages from the above fitness property endorsement and adds more than 30 additional coverages and increased limits, providing another robust property option.
  • Commercial General Liability Extended Endorsement − further strengthens your liability coverage by including:
    • - damage to premises rented to you
    • - property damage to borrowed equipment
    • - specified automatic additional insured coverage
    • - waiver of subrogation
    • - coverage for errors and omissions committed in the administration of employee benefit programs

Protect Your Fitness Professionals

Cincinnati’s Fitness Professional Liability is included, for a premium charge, when you purchase general liability insurance. You receive professional liability coverage for your business, employees and independently contracted fitness professionals: fitness instructors, personal trainers and employed sports officials and coaches. You can also add professional coverage for cosmetologists, nutritionists, dieticians, and massage and physical therapists for an additional premium charge.

Options to Suit Your Needs

Round out your insurance program by purchasing coverages needed by most businesses:

Cincinnati Advantage

When it comes to something as important as your business – your livelihood – you can work confidently, knowing you are protected by an exceptional insurance program that provides:

  • loss control services at no additional charge
  • access to vendors offering specialized loss control services and training at discounted rates
  • superior claims service from a representative who lives in or near your community in most instances
  • multi-year policy terms available in most states for many coverages
  • stability from a company with a high financial strength rating from A.M. Best Co.
  • more than 90% of our policyholders are highly satisfied with the overall claims process, based on almost 27,000 standard lines auto and property policyholders responding via electronic claim satisfaction survey between January 1, 2020, and December 31, 2022, with an 8, 9 or 10 on a 10-point scale     
  • a management team specifically dedicated to keeping your insurance program on the leading edge

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