Ideal Accounts and Appetite
This program is a strong fit for a broad range of fitness and wellness businesses. Whether your client runs a boutique yoga studio or a full-service gym, Cochrane & Company offers tailored coverage options that meet their unique risks. Eligible classes include:
- Exercise Equipment Clubs
- Aerobic and Dance Studios
- Weight Lifting Gyms
- Personal Trainers
- Pilates, Yoga, and Tai Chi Studios
- Massage Parlors and Masseuses
- Physical Therapists and Swim Instructors
Childcare services offered to club members while on premises are also included in the coverage scope.
Coverage Highlights and Advantages
This program offers a comprehensive suite of liability and property coverages to help your insureds manage the exposures that come with running a fitness facility. Key coverage features include:
- General Liability Limits up to $3,000,000 Occurrence/Aggregate
- Liquor Liability
- Hired and Non-Owned Auto Liability
- Excess/Umbrella Limits up to $25,000,000
- No Deductible Required
Included coverages at no additional cost:
- Medical Payments Coverage - $5,000 Limit
- Blanket Additional Insured Endorsement
- Club Members Automatically Included as Additional Insureds
- Errors and Omissions Coverage up to Policy Limits
- Sexual and Physical Abuse Coverage - $25,000 per claim / $50,000 Aggregate (higher limits available)
Property Coverage Options
- Building and Business Personal Property
- Business Income
- Basic, Broad, or Special Form
- Replacement Cost or Actual Cash Value
- Equipment Breakdown and Food Spoilage
- Inland Marine, Valuable Papers, Accounts Receivable
- Computer Equipment and Outside Signs
Crime Coverage Options
- Inside the Premises (Theft of Money and Securities, Robbery, Safe Burglary)
- Outside the Premises
Underwriting Notes and Minimum Premiums
Minimum premiums vary depending on the class of business and coverage selected. Cochrane & Company works with a variety of markets and offers flexible options to meet a wide range of client needs. This program is written on a non-admitted basis.
Territories and Availability
This program is available for risks located in the following states: AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Why Work With Cochrane & Company
As a trusted Managing General Agency, Cochrane & Company brings deep expertise in specialty insurance programs. With access to top-rated carriers and a broad underwriting appetite, they provide insurance agents and brokers with the tools to confidently place fitness and wellness accounts. You can expect responsive service, flexible underwriting, and competitive coverage options tailored to fit today’s evolving health and fitness industry.
Have questions about the Exercise, Health Studio and Personal Trainer Insurance program? Please feel free to contact us!
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for exercise equipment clubs, yoga and Pilates studios, personal trainers, massage parlors, and other health and wellness facilities.
Is childcare coverage included?
Yes, childcare services provided for club members while on the premises are included in the coverage.
What is the maximum liability limit available?
The program offers primary liability limits up to $3,000,000 occurrence/aggregate, with excess or umbrella options up to $25,000,000.
Do you require a deductible?
No, this program does not require a deductible for general liability coverage.
Which states is this program available in?
This program is available in AK, CA, ID, MT, NV, NM, ND, OR, WA, and WY.
Need help placing an account? Connect with a market specialist.