IPMG provides access to specialized markets offering tailored Health Club Insurance solutions designed specifically for the health and fitness industry. Whether your client operates a boutique fitness studio, yoga center, or a large multi-location gym, our program offers broad coverage options and flexible underwriting to meet their unique needs.
Ideal Accounts and Appetite
Our Health Club Insurance program is a great fit for a wide range of fitness-related businesses, including:
- Health and fitness clubs
- Personal training studios
- Yoga and pilates studios
- CrossFit and functional training gyms
- Wellness centers
We are looking for well-managed operations with strong safety protocols and a commitment to member health and well-being.
Coverage Highlights and Advantages
IPMG’s program gives you access to competitive and comprehensive coverage options backed by strong carrier partnerships like Markel. Key coverages available include:
- General Liability – Protects against third-party bodily injury and property damage claims
- Professional Liability – Covers allegations of negligence related to training or instruction
- Abuse Coverage – Addresses sensitive exposures in member-focused facilities
- Employment Practices Liability – Protects against claims of wrongful termination, discrimination, etc.
- Employee Benefits Liability – Covers errors in the administration of employee benefits
- Excess Liability – Additional limits for peace of mind
- Inland Marine – Covers equipment and portable property
- Crime Coverage – Protection against employee theft and other dishonest acts
This program is designed to handle the diverse risks associated with fitness operations, from slip-and-fall incidents to claims of improper instruction.
Underwriting Notes and Minimum Premiums
Our markets are flexible and responsive, with low minimum premium thresholds to help agents place smaller accounts competitively. We work closely with brokers to understand the specific needs of each account and offer customized solutions. Most available markets are non-admitted, allowing for tailored underwriting and broader coverage terms.
Territories and Availability
This program is currently available in the following states:
- Florida (FL)
- Illinois (IL)
- Indiana (IN)
- Iowa (IA)
- Missouri (MO)
We are continuously expanding and encourage agents in these states to reach out for eligibility and submission guidelines.
Why Work With IPMG?
As a Managing General Agency and Excess & Surplus Lines Broker, IPMG brings deep expertise in niche commercial programs. Our team understands the unique risks faced by health and fitness businesses and provides agents with efficient access to competitive markets. With in-house underwriting, responsive service, and long-standing carrier relationships, IPMG is a trusted partner for placing health club and fitness-related risks.
Contact Our Team
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Matt Becker (IL)
Surplus Lines Practice Leader
(630) 485-5952
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Kristina Freeze (MO)
Underwriter
(314) 293-9704
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Barbara Commings (FL)
Florida Branch Manager
(855) 377-4764 ext. 5222
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Frequently Asked Questions
What types of accounts are a good fit for this program?
This program is ideal for fitness centers, gyms, yoga studios, personal training facilities, and wellness centers with solid safety and operational standards.
Is this program available on an admitted basis?
Most available markets are non-admitted, allowing for greater underwriting flexibility and broader coverage options.
What is the minimum premium for accounts?
The program offers low minimum premiums, making it suitable for both small and mid-sized fitness businesses.
Which states is this program available in?
We currently offer this program in Florida, Illinois, Indiana, Iowa, and Missouri.
Who can I contact to submit or discuss a risk?
Our underwriting team includes Matt Becker (IL), Kristina Freeze (MO), and Barbara Commings (FL). They’re available to assist with submissions and questions.
Need help placing an account? Connect with a market specialist.