Exercise Studio Insurance

Coverage Highlights and Advantages

Commercial General Liability Coverage:

• Primary Limits available up to $3,000,000 per occurrence / aggregate
• Liquor Liability (where applicable)
• Hired and Non-Owned Auto coverage
• Excess or Umbrella Limits up to $25,000,000

Included Endorsements and Features:

• Medical Payments Coverage – $5,000 Limit
• Blanket Additional Insured Endorsement
• Club Members included as Additional Insureds
• Errors and Omissions Coverage – up to policy limits
• Sexual and Physical Abuse Coverage – $25,000 per claim / $50,000 aggregate (optional higher limits available)
• No deductible required
• Loss Prevention Brochure provided

Property Coverage Options:

• Building and Contents
• Business Income and Extra Expense
• Computer Equipment
• Equipment Breakdown and Food Spoilage
• Inland Marine and Valuable Papers
• Outside Signs
• Accounts Receivable
• Basic, Broad, or Special Form
• Replacement Cost or Actual Cash Value (ACV) options

Crime Coverage:

• Theft of Money and Securities – Inside the Premises
• Robbery or Safe Burglary of Other Property – Inside the Premises
• Theft and Robbery – Outside the Premises

Ideal Accounts and Appetite

This program is an excellent fit for small to mid-sized fitness-related businesses that require both liability and property protection. You can confidently place accounts such as:

• A suburban dance studio with part-time instructors and a modest inventory of sound equipment
• A boutique personal training gym offering massage services and member childcare
• A yoga or Pilates studio looking for Errors and Omissions and Abuse & Molestation coverage

Businesses offering high-risk activities like rock climbing or martial arts may fall outside of appetite—check with underwriting for clarification.

Underwriting Notes

Colonial General works with a range of carriers (markets vary) and can access both admitted and non-admitted options depending on the account and state. No deductible is required for standard policies, and abuse coverage can be increased upon request. Minimum premiums may vary—contact underwriting for specifics on your client’s risk profile.

Territories and Availability

This Exercise Studio Insurance program is available in the following states:

• Arizona (AZ)
• California (CA)
• Colorado (CO)
• Idaho (ID)
• Nevada (NV)
• New Mexico (NM)
• Utah (UT)
• Wyoming (WY)

Why Work With Colonial General?

As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General offers deep experience in niche commercial programs. Their Exercise Studio Insurance program is structured to help agents efficiently place fitness and wellness business with tailored coverage options and competitive limits. From streamlined underwriting to value-added resources like loss prevention materials, Colonial General supports agents in delivering strong solutions for fitness-related risks.

Frequently Asked Questions

Need help placing an account? Connect with a market specialist.