What it does
CG 22 76 excludes "bodily injury", "property damage" and "personal and advertising injury" arising out of the rendering of or failure to render any service, treatment, advice or instruction relating to physical fitness, including diet, cardiovascular fitness, bodybuilding or physical training programs.
Who needs it
Gyms, CrossFit and boutique studios, personal trainers and corporate fitness centers.
Key provisions and limits
- Like most ISO professional exclusions, it applies even when the claim alleges negligent supervision, hiring, employment, training or monitoring of others, if the occurrence or offense involved the excluded service.
Quoting and selling notes
- Trainer-caused injuries become uninsured under the CGL; buy fitness professional liability. Premises claims (equipment, slip and fall) are unaffected.
