System
ISO
Code
44311
Basis
gross receipts
State
Florida
Florida Note: Florida fitness facilities must comply with AED (automated external defibrillator) requirements under Florida law.
What Does GL Code 44311 Cover?
ISO GL class code 44311 covers gyms, fitness clubs, and health clubs offering exercise equipment, fitness classes, and personal training services to members.
Who Uses This Class Code?
Gyms, fitness centers, CrossFit boxes, yoga studios, pilates studios, martial arts schools, and health clubs.
Common GL Claims for This Class
Common claims include equipment-related injuries, slip-and-fall in locker rooms, and injuries during fitness classes.
Coverage Tips for Code 44311
- Participant accident coverage is separate from GL — consider adding it for member injuries
- Personal training creates professional liability exposure — consider a separate E&O policy
- Equipment maintenance records are critical for defending claims involving equipment failures
- Waiver of liability forms help but do not eliminate all liability exposure
Basis of Premium: Gross receipts
GL policies rated on gross receipts use your total annual revenue as the exposure base. Your carrier will apply a rate per $1,000 of gross receipts to calculate your premium. At policy expiration, your carrier will audit your actual receipts and adjust the final premium.
Get a GL Quote
We work with multiple admitted carriers to find the best GL rate for code 44311.
Get a Free QuoteCall (239) 323-0785Code Details
- Code
- 44311
- System
- ISO
- Category
- Recreation & Sports
- Basis
- gross receipts
- FWC Eligible
- Check with agent
Related Recreation & Sports Codes
View all Recreation & Sports codes →Ready to Get Covered Under Code 44311?
Bright Coast Insurance works with multiple admitted carriers in Florida to find the best GL rate for your business class. Get a free quote in minutes.