Colonial General Insurance Agency, Inc. offers a targeted Health Studio Insurance program designed for health and fitness businesses. This program is built to help agents place liability and property solutions for exercise equipment clubs, aerobic and dance studios, weightlifting and general fitness gyms, personal trainers, massage practitioners, physical therapists, and similar in-person wellness services. Clubs that provide on-site childcare to members are also eligible.
Ideal Accounts and Appetite
This program fits active, in-person health and fitness operations. You can place small single-trainer studios, boutique specialty studios, or larger full-equipment fitness centers. Massage parlors, dance schools, and outpatient physical therapy clinics are within appetite when operations are supervised and licensed as required. Hybrid or niche wellness businesses (for example, studios that combine personal training with classes) may qualify as long as high-risk activities are controlled.
Typical classes that fit:
- Personal trainers and small group training studios
- Aerobic, yoga, dance, and cycling studios
- Weightlifting and general fitness gyms
- Licensed massage therapy and daycare for members
- Physical therapy clinics with supervised patient care
Operations that often do NOT fit include large combat/sparring gyms, businesses with uncontrolled youth programs or unlicensed medical procedures, and facilities with significant premises hazards that cannot be mitigated. For borderline or higher-exposure risks, Colonial General can often evaluate on a submission basis and access specialty E&S markets.
Example accounts you might place:
- A boutique Pilates studio with five instructors and member classes—needs general liability, E&O for instructors, and contents coverage.
- A mid-sized gym offering personal training and supervised childcare for members—requires combined GL, property, and abuse/molestation limits plus hired/non-owned auto for trainers.
Coverage Highlights and Advantages
Commercial General Liability
- Primary limits available up to $3,000,000 per occurrence and aggregate
- Liquor Liability available where applicable
- Hired and Non-Owned Auto coverage
- Excess/Umbrella limits accessible up to $25,000,000
Included and optional coverages
- Medical Payments — $5,000 limit included
- Blanket Additional Insured endorsement; club members can be named as additional insureds
- Errors & Omissions (E&O) coverage up to policy limits for professional services
- Sexual and Physical Abuse coverage — $25,000 per claim / $50,000 aggregate (higher limits may be available)
- No deductible required on some liability placements
- Loss prevention brochure provided to insureds
Property and Inland Marine
- Buildings and Contents
- Business Income and Extra Expense
- Equipment Breakdown and Computer Equipment
- Food Spoilage, Outside Signs, Inland Marine, Valuable Papers, Accounts Receivable
- Basic, Broad, or Special forms with Replacement Cost or ACV options
Crime coverages
- Inside the Premises — Theft of Money and Securities
- Inside the Premises — Robbery or Safe Burglary of Other Property
- Outside the Premises coverage options
Underwriting Notes and Access
Colonial General can write coverage as a mono-line or a package policy depending on the account’s needs. The program places business through a mix of admitted and non-admitted markets — availability depends on state regulations and the account’s risk profile. Underwriters look for documented staff training, safety protocols, signed waivers where appropriate, clear supervision for youth or childcare programs, and up-to-date licenses for regulated services (e.g., massage therapy, physical therapy).
Territories and Availability
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Markets offered include both admitted and surplus options, varying by state and carrier appetite.
Why Work With Colonial General
As a Managing General Agency and Excess & Surplus Lines broker, Colonial General provides specialized market access for health and wellness risks. Their underwriting team understands common exposures—professional liability for instructors, premises risks for equipment, and sensitive exposures like abuse/molestation—and can assemble tailored solutions across multiple carriers. Colonial General focuses on responsive service and practical loss-control guidance to help you close and service accounts efficiently.
Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for fitness studios, gyms, aerobics or dance studios, massage parlors, personal trainers, and physical therapists. It also accommodates facilities offering on-site childcare for members during workouts.
Is this program available nationwide?
No. The program is available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are mono-line and package policies both available?
Yes. Coverage can be written as a mono-line or as a package policy depending on the client's exposures and preferred structure.
Does the policy include coverage for sexual and physical abuse claims?
Yes. The policy includes Sexual and Physical Abuse coverage with limits of $25,000 per claim and $50,000 aggregate; higher limits may be available on request.
Can club members be added as additional insureds?
Yes. The program includes a blanket Additional Insured endorsement and specifically allows club members to be listed as additional insureds where needed.
Need help placing an account? Connect with a market specialist.