Our Exercise and Health studio program is designed to cover businesses offering Aerobics Studios, Exercise Equipment Clubs, Personal Trainers, Massages, Dance Studios, Weight Lifting Gyms, Physical Therapists, Yoga, Pilates and more.

Liability Underwriting and Rating

• Limits up to $1MM/$2MM
• Umbrella/Excess limits available
• Child care for club members INCLUDED at no charge
• Blanket additional insureds included at no charge
• Club members as additional insured included
• Sexual/physical molestation coverage is included at $25,000/$50,000 (higher limits available)
• Errors and Omissions coverage is included
• Liquor Liability available
• Membership agreements should include a hold harmless clause (liability waiver)
• Gross sales include all income and fees, receipts from food, clothing, and equipment sales
• Independent contractors rated separately

Property Underwriting and Guidelines

• Limits up to $2MM In-house
• Property rated per $100 of value