https://completemarkets.com/company/colonialgeneral/Exercise-studio-Insurance/
Policy Highlights:
Colonial General Insurance Agency, Inc. offers a specialized Exercise Studio Insurance program designed for a wide range of health and fitness businesses. This program provides comprehensive Property and Liability coverage on a mono-line or package basis, making it flexible and easy to tailor to your clients’ needs. Ideal risks include exercise equipment clubs, aerobic studios, weightlifting gyms, personal trainers, massage parlors, dance studios, and physical therapists. Childcare services offered on premises for club members are also covered.
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
What types of accounts are a good fit for this program?Ideal accounts include exercise studios, personal training gyms, dance studios, massage parlors, and physical therapy offices. Facilities that offer member childcare or wellness services are also eligible.
Is childcare coverage included in the policy?Yes, coverage is available for childcare provided to club members while on the premises, subject to underwriting approval.
Can I get Abuse and Molestation coverage with higher limits?Yes, the standard policy includes $25,000 per claim and $50,000 aggregate, but higher limits are available upon request.
In which states is this program available?The program is currently offered in AZ, CA, CO, ID, NV, NM, UT, and WY.
What limits are available for General Liability?Primary limits up to $3,000,000 occurrence/aggregate are available, with excess or umbrella coverage up to $25,000,000.
Need help placing an account? Connect with a market specialist.