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...ons for exercise equipment clubs, aerobic and dance studios, weightlifting and... is ideal for fitness studios, gyms, aerobics or dance studios, massage parlor...

...at may include personal training, aerobics, yoga, pilates, free weights, resis...

Sports & Fitness Insurance Corp. offers a specialized commercial liability program for dance studio owners and dance professionals. Built for the common exposures of instruction, rehearsals, and performances, this program can be tailored for private lessons, group classes, and both adult and youth recitals. Ideal Accounts and Appetite This program is well suited for traditional dance studios of all sizes, including single-instructor operations and multi-studio academies. Typical dance styles we frequently place include ballet, jazz, tap, modern, hip-hop, ballroom, and similar disciplines. Coverage can be structured for studios that operate in leased spaces or owner-occupied buildings. The program is not designed for accounts that regularly use trampolines or provide Olympic-style gymnastics training. When those activities are present, please consider alternative markets. Coverage Highlights and Advantages The Dance Studios program delivers a focused liability package designed for the exposures common to dance operations: Premises Liability for slips, trips, and on-site injuries Professional Liability for instructors and teaching staff Advertising Liability Third-party Property Damage Sexual Abuse and Molestation coverage Medical Payments for minor on-site treatment Coverage applies to both adult and youth classes and extends to off-premises events such as recitals and competitions. Certificates of insurance for off-site performances are included automatically with the policy. Property coverage is available on a special form with replacement-cost options, including theft protection. Building and contents fire insurance can also be placed at competitive rates, though some coastal locations may face additional restrictions. Underwriting Notes and Minimum Premiums Underwriters review class types, average class size, student ages, instructor credentials, facility details, and revenue to determine eligibility and pricing. Minimum premiums vary by state and account characteristics—underwriting will confirm based on the risk profile. High-risk features such as trampoline use or competitive gymnastics will typically render an account ineligible. Territories and Availability This Dance Studios program is available in all 50 states and Washington D.C., with both admitted and non-admitted placement options depending on the state and the account. Use this program for local single-state risks or multi-state clients—coverage options are flexible to match each jurisdiction's requirements. Why Work With Sports & Fitness Insurance Corp. Sports & Fitness Insurance Corp. is an experienced Managing General Agency focused on fitness and recreation classes. Agents benefit from specialized underwriting familiarity with dance exposures, responsive service, and access to multiple carrier options. The MGA’s team can often bind quickly and issue COIs for off-site events without lengthy endorsement requests. Frequently Asked Questions What types of accounts are a good fit for this program?Traditional dance studios offering instruction in ballet, tap, jazz, modern, hip-hop, ballroom, and similar disciplines are a good fit. Both youth and adult-focused operations are eligible. What coverages are included in the Dance Studios program?The program includes premises liability, professional liability, advertising liability, property damage liability, sexual abuse and molestation coverage, and medical payments. Property coverage is available as an option. Are off-site dance events like recitals covered?Yes. Certificates of insurance for off-premises recitals and performances are included automatically with the policy. Are there any exclusions I should be aware of?Yes. The program excludes operations involving trampolines or Olympic-style gymnastics. Coastal property placements may also have special restrictions. In which states is this program available?The program is available in all 50 states and Washington D.C., with admitted and non-admitted options depending on the state and the risk profile. Need help placing an account? Connect with a market specialist.

...include exercise equipment clubs, aerobic studios, weightlifting gyms, persona...

...s day camps, gymnastics and cheer schools, dance and martial arts studios, fit...ts day camps, dance and martial arts schools, fitness clubs, and similar class...

...training and boutique studios Aerobics, Zumba, yoga, Pilates, and dance fi...ude gyms, personal training studios, aerobics or dance fitness centers, and fa...

...without weapons or full-contact Aerobics or exercise classes (excluding weig...

Overview of the Worker's Compensation Program from America's Internet Brokers, Inc. America's Internet Brokers, Inc. offers a flexible Worker’s Compensation placement program that gives independent agents access to multiple admitted and non-admitted markets, including AIG, CNA, The Hartford, The Seneca Companies, Travelers, and Zurich. The program is designed to help you place a broad range of standard commercial risks with streamlined underwriting and competitive options for employers across many industries. Ideal Accounts and Appetite This program is a fit for most standard WC class codes. Underwriters will consider businesses with typical payrolls, reasonable loss histories, and common employer exposures. Typical fits include: Small to midsize contractors and trade contractors (note higher minimums apply for some contractor accounts) Clerical and professional service firms Light manufacturing and wholesalers Retailers, restaurants, and personal services Local trucking exposures (subject to higher minimum premium requirements) Accounts that generally need additional review or are less likely to fit include large professional employer organizations (PEOs), accounts with catastrophic loss history, or specialty risks with unusual exposures unless negotiated with an underwriting team directly. Coverage Highlights and Advantages Access to several national carriers—helpful when you need capacity or different program structures for difficult submissions. Competitive handling for moderately higher mods (see underwriting notes below) so you can keep placement options for clients with a less-than-perfect loss experience. Ability to include payroll in multiple states (up to four foreign states allowed up to 20% of payroll) which helps agents writing multistate employers. Streamlined eligibility guidelines that make it easier to submit and obtain quick decisions on routine accounts. Underwriting Notes and Minimum Premiums Underwriting is driven by class code, loss history, payroll distribution, and state exposure. Please see the program’s baseline eligibility below; these points are included in the program materials and are used by the underwriters when reviewing submissions: Accounts in most WC Class Codes are eligible for this program. Prospects with experience modifications of up to 1.35 are eligible for this program. In certain states, mod’s can be as high as 1.80. Prospects with up to 20% of their payroll in up to 4 foreign states are eligible. Prospects with standard, unmodified premium of $5,000 and more are eligible for this program, except for contractors which have a minimum premium of $6,500, ($10,000 in NY) and trucking accounts which have $10,000, minimum premium. When submitting, include five years of loss runs, current payroll projections by class code, and any certificates or safety program documentation that could improve terms. Territories and Availability This program can write business in the following states: AZ, CA, CO, CT, FL, GA, ID, IA, KS, KY, LA, MD, MA, MI, MN, MS, NE, NJ, NY, NC, ND, OK, OR, PA, SC, TN, TX, UT, VT, VA, WA, WV. Availability may vary by carrier and by state regulatory rules; check carrier appetite for each state when placing business. Why Work With America's Internet Brokers, Inc. on Worker’s Compensation Market access to several national carriers in one program, simplifying shopping and tailoring placements to client needs. Underwriting flexibility for accounts with moderate mods and limited multistate payroll exposure. Practical eligibility thresholds and clearly stated minimums that help you quickly identify candidates for this program. Support for agents who need to move accounts efficiently—submit complete loss runs and payroll details to accelerate response. Example Client Situations Example 1: You have a local roofing contractor with a projected standard premium of $8,000 and a mod of 1.20. This program can be a practical option, subject to the contractor minimum and loss history review. Example 2: You represent a regional wholesale distributor with payroll in three states (20% of payroll out of state), standard class codes, and a clean loss record. The ability to include payroll in multiple states makes this program worth submitting. Frequently Asked Questions What types of accounts are a good fit for this Worker’s Compensation program?Most standard commercial class codes are a good fit—clerical, retail, light manufacturing, many contractors, and local trucking (subject to higher minimums). Accounts should generally meet the program’s minimum premium and documentation requirements. How high a loss modification (MOD) will the program consider?Typical eligibility is up to a 1.35 experience modification. In certain states the program can consider mods as high as 1.80, depending on carrier appetite and loss details. Can this program handle multistate payroll?Yes. The program allows up to four foreign states and up to 20% of payroll in those states. For larger multistate exposures, underwriting review is required. What documentation speeds placement and binding?Provide five years of loss runs, current payroll by class code, description of operations, and any safety or return-to-work programs. Complete submissions receive quicker underwriting decisions from the carriers on the panel. Need help placing an account? Connect with a market specialist.