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ACE Proud to Support New Premium Credit Program from Philadelphia Indemnity Insurance Company
Insurance Discount Offered Only to Clubs with NCCA-Accredited Professionals on Staff

SAN DIEGO, Calif. – Oct. 19, 2005 – The American Council on Exercise (ACE), America’s nonprofit fitness advocate, is pleased to support Philadelphia Consolidated Holding Corp. (NASDAQ: PHLY) and its subsidiary Philadelphia Indemnity Insurance Company’s decision to offer a general liability premium credit program for all health and fitness clubs employing personal trainers certified by organizations whose programs have been accredited by the National Commission for Certifying Agencies (NCCA).

NCCA is the accreditation body of the National Organization for Competency Assurance (NOCA). The NCCA accreditation serves as a benchmark on how organizations should conduct their certification activities. All ACE certification programs were granted NCCA accreditation in 2003.

The Philadelphia Indemnity Insurance Company discount is based on the number of NCCA-accredited certified personal trainers on site. All clubs are eligible to earn up to a 10% reduction on their rates depending on the individual state schedule rating plan. Those clubs with less than 50% accredited trainers on staff are not eligible for the discount.

“We have always offered discounted liability insurance to our ACE-certified fitness professionals but this breakthrough doubles their protection and provides an increased opportunity for employment,” said Scott Goudeseune, ACE chief operating officer.

Since the International Health Racquet and Sportsclub Association (IHRSA) recommendation that club owners only hire personal trainers with certifications from agencies accredited through NCCA or an equivalent accrediting organization, there have been many questions within the fitness industry in regard to education, certification, accreditation and licensure. “This new program attests to the quality of NCCA accreditation of all fitness certifications,” said Goudeseune.

In operation since 1962, Philadelphia Insurance Companies, whose commercial lines subsidiaries are rated A+ (Superior) by A.M. Best Company, designs, markets, and underwrites commercial property/casualty, personal lines and professional liability insurance products incorporating value-added coverages and services for select industries. Nationally recognized as a member of Wards Top 50 and Forbes Top 200 Best Small Companies, the organization has 36 offices strategically located across the United States to provide superior local service. For more information visit the website at or call 877.GET PHLY.

About ACE
The American Council on Exercise (ACE), America’s Authority on Fitness, is a nonprofit organization dedicated to promoting the benefits of physical activity and protecting consumers against unsafe and ineffective fitness products and instruction. As the nation’s “workout watchdog,” ACE sponsors university-based exercise science research and testing that targets fitness products and trends. ACE sets standards for fitness professionals and is the world’s largest nonprofit fitness certifying organization. For more information on ACE and its programs, call (800) 825-3636 or log onto the ACE Web site at

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Founded in 1985, the American Council on Exercise (ACE) is a nonprofit organization committed to America's health and wellbeing. Over the past 30 years, we have become an established resource for health and fitness professionals, and the public, providing comprehensive, unbiased research and validating ourselves as the country's trusted authority on health and fitness.

Today, ACE is the largest nonprofit health and fitness certification, education and training organization in the world with more than 65,000 certified professionals who hold more than 72,000 ACE Certifications. With a long heritage in certification, education, training and public outreach, we are among the most respected organizations in the industry and a resource the public has come to trust for health and fitness education.