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The dance school insurance program has been designed for U.S.-based dance schools and other organizationsn specializing in the instruction of performance and social dance. Coverage provided includes important liability protection for the school or organization, including its employees and volunteers, for liability claims arising our of its operations Eligible Operations for Dance School Insurance: - Aero dance school insurance - Irish school insurance - Ballet school insurance - Jazz school insurance - Ballroom dancing school insurance - Latin school insurance - Belly dancing school insurance - Modern school insurance - Clogging school insurance - Salsa school insurance - Contemporary school insurance - Scottish school insurance - Country western school insurance - Square school insurance - Cultural/ethnic school insurance - Swing school insurance - Flamenco school insurance - Tango school insurance - Folk school insurance - Tap school insurance - Hawaiian school insurance - Hip Hop school insurance - Tumbling insurance (floor only, no gymnastic apparatus) - ZUMBA® insurance Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Professional Liability - Medical Payments for Participants - Premises Liability - Hired Auto and Employers’ Nonownership Liability (not available in IL, LA, UT, VT and WI - Bodily Injury to Participant - Broadening Endorsement - Damage to Customers' Goods, Medical Personnel Non-registered Member Activity Coverage (Optional) Equipment and Contents - Inland Marine (optional) - not available in all states Abuse, Molestation, or Exploitation Defense Reimbursement Coverage (optional) Sexual Abuse or Sexual Molestation Liability (optional) K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative design for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.danceinsurance-kk.com Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Sport, fitness, dance, and martial arts/self defense instructors, now your sport instructor insurance program can be in top shape, too! K&K can offer coverages that will defend and indemnify instructors for alleged negligence resulting in bodily injury and property damage while performing their duties. Must be an instructor who directly supervises an individual or group in sports, fitness, dance or martial arts-related activities. Eligible Operations for Sport Instructor Insurance: Sports Instructors: - Baseball instructor insurance - Racquetball instructor insurance - Basketball instructor insurance - Road Running instructor insurance - Baton twirling instructor insurance - Soccer instructor insurance - Bowling instructor insurance - Softball instructor insurance - Cheerleading instructor insurance - Swimming instructor insurance - Cross country instructor insurance - Table Tennis instructor insurance - Fencing instructor insurance - Tennis instructor insurance - Figure skating instructor insurance - Track & Field instructor insurance - Football instructor insurance - Tumbling instructor insurance - Golf instructor insurance (floor only, no gynmastic - Gymnastics instructor insurance* apparatus) - Hockey instructor insurance - Volleyball instructor insurance - Lacrosse instructor insurance - Pickleball instructor insurance - Wrestling instructor insurance *Not available for purchase online. Submit PDF application. Coverages Available & Program Highlights: - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Professional Liability - Medical Expense (other than participants) - Legal Liability to Participants - Damage to Premises Rented to You K&K Insurance offers sports and recreation websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and recreation industry and is pleased to offer this innovative technology for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.kandkinsurance.com/programs/sports-instructor/sports-instructor-insurance Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Our Cheer Gym Insurance program specializes in the instruction of cheerleading, dance, tumbling, trampolines and related programs. The program offers liability coverage for the gym including its employees and volunteers, and for liability claims arising out of the gym's operations. Eligible Classes: • Cheer gyms and clubs Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense (other than participants) - Hired Auto and Employers' Nonowernership Liability (not provided in IL, LA, UT, VT & WI) - Professional Liability - Bodily Injury to Participants - Medical Payments for Participants - No Charge for Certificates of Insurance - Premises Liability Included Optional Coverages: - Ancillary instructional or learning programs coverage - On-site Birthday Party Coverage (optional) - Equipment and Contents Inland Marine - Abuse, Molestation or Exploitation Defense Reimbursement Coverage - Meets, Competitions & Events Coverage - Parkour, Ninja, free-running, extreme tumbling, and indoor obstacle courses coverage - Excess Liability - Directors' and Officers' Liability including Employment Practices Liability for Not-for-profits - Sexual Abuse or Sexual Molestation Liability (optional) - On-site inflatable amusement devise - Open gym, parent's night out, and special events coverage - Camps, clinics, swimming pools coverage Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Axiom Insurance Managers Agency, LLC leverages more than 25 years of hospitality underwriting experience to deliver a Nightclubs Insurance program designed for venues with live entertainment, food and beverage service, and adult-entertainment operations. We provide tailored, risk-specific coverage packages so you can place accounts that need specialized underwriting, flexible limits, and practical loss-control terms. Eligible Classes and Appetite This program targets nightclubs and related hospitality operations, including: Adult entertainment establishments (including “go-go” dancing) Adult bookstores Cabarets, jazz clubs, comedy clubs, and dance venues Nightclubs and lounges Upscale gentleman’s clubs Incidental habitational, hospitality, gaming, or retail exposures related to these operations can be considered. Common Ineligible Exposures Dancing on bars, speakers, or other raised/unstable platforms Interactive amusement devices Use of pyrotechnics or sanctioned stunt activities Liquor manufacturing Coverage Highlights and Limits General Liability $1,000,000 CSL Each Occurrence $2,000,000 CSL General Aggregate (per-location aggregate available on request for an additional fee) $1,000,000 CSL Products/Completed Operations $1,000,000 CSL Hired & Non-Owned Auto Liability Excluded Medical Payments $500,000 CSL Damage to Premises Rented to You Liquor Liability (package or mono-line): $1,000,000 Each Common Cause / $2,000,000 Aggregate Umbrella / Excess: Limits up to $10,000,000 Underwriting and Submission Requirements Signed ACORD applications Currently valued expiring term and prior three years loss runs Supplemental application (Axiom’s or another carrier’s) Target pricing or expiring premium Minimums and deductible guidance: Minimum revenue generally $250,000. Minimum deductible $5,000 (higher deductibles, e.g., $10,000, may be acceptable for credits). Program minimum premium: $10,000. Territories and Filing Status Available in: AL, AK, AZ, AR, CA, CO, CT, DE, FL, GA, HI, ID, IL, IN, KS, KY, LA, ME, MD, MA, MI, MN, MS, MO, MT, NE, NV, NJ, NM, NC, ND, OH, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, WA, DC, WV, WI, WY. Please note: this program is offered through non-admitted/surplus-lines placements rather than admitted filings. Why Place Nightclubs Insurance with Axiom Program administrator expertise: underwriters experienced in hospitality and adult-entertainment risks. Customized offerings: coverage forms and limits tailored to the specific operation and exposures. Capacity and structure: broad General Liability and Liquor Liability limits with umbrella capacity up to $10M. Flexible servicing: direct bill and financing options are available to insureds. Agent-Focused Examples You might place a downtown nightclub that hosts live bands and DJs, has on-premises liquor service, and annual revenue above the program minimum — requesting combined GL and liquor coverage with a per-location aggregate. Another fit could be an upscale gentleman’s club that requires higher liquor limits and umbrella protection up to $5–10M. Submission Tips Provide complete loss runs and a supplemental application up front to speed underwriting. Highlight loss-control measures (security staff, ID checks, stage/bar restrictions) and note any special entertainment (live bands vs. pyrotechnics or stunt shows) — those details materially affect eligibility. Frequently Asked Questions What types of nightclub accounts are the best fit for this program?Accounts with established security and operational controls, annual revenue at or above the $250,000 threshold, standard live entertainment (bands, DJs, comedians), and no prohibited activities (pyrotechnics, bar-top dancing, interactive amusement devices) are the best fit. What minimum premium and deductibles should I expect?The program minimum premium is $10,000. Minimum deductibles start at $5,000; higher deductibles (for credits) are available, such as $10,000. Is liquor liability included or separate?Liquor liability can be offered as either package or mono-line coverage. Limits up to $1,000,000 per common cause and $2,000,000 aggregate are available through the program. Which states are supported and how is the business placed?The program is available in the list of states shown in the listing and is typically placed on a non-admitted/surplus-lines basis rather than as an admitted filing. What speeds up underwriting and placement?Provide signed ACORDs, currently valued loss runs for the prior three years, a completed supplemental application, and the expiring premium or target pricing. Documentation of loss-control measures and detailed descriptions of entertainment and alcohol controls accelerate approval. Need help placing an account? Connect with a market specialist.

At Axiom Insurance Managers, we specialize in insuring hospitality risks—ranging from local bars to upscale nightclubs and adult entertainment venues. Our Bar and Tavern Insurance program is designed to address the unique exposures, operations, and compliance requirements that come with liquor-serving establishments. Whether your client operates a wine bar, dance club, or gentleman’s club, we tailor coverage to fit their specific needs and state regulations. Ideal Accounts and Appetite Our program is ideal for a wide range of hospitality and nightlife businesses, including but not limited to: Bars and taverns Nightclubs and lounges Comedy and jazz clubs Brew pubs and microbreweries Adult entertainment venues and gentlemen’s clubs Wine and martini bars Liquor stores and package stores Dance venues and cabarets Upscale bars and cognac bars Country and western-themed clubs Convenience stores selling alcohol Wineries and wholesale distributors Ineligible risks include arenas, fairgrounds, college fraternities or sororities, venues with stunt activities or pyrotechnics, liquor manufacturing, and establishments that allow dancing on raised platforms such as speakers or bars. Coverage Highlights and Advantages Our comprehensive coverage options are designed to protect against the most common and complex risks in the bar and tavern industry. Optional coverages include: Property and Business Income – Subject to coastal wind exclusions Special Coverage Extension Endorsement – Covers credit card receipts, food spoilage, off-premise power failure, personal property affected by temperature/humidity, and more Assault & Battery Coverage Options – Excluded, Silent, Sub-limit, or Full A&B up to the GL limit Additional Enhancements – Employment Practices Liability, Hired and Non-Owned Auto, Valet, Additional Insureds, and Defense Outside the Limit This program addresses key exposures such as liquor liability, property damage, bodily injury, and operational interruptions—helping your insureds reduce risk and remain compliant. Underwriting Notes and Minimum Premiums Minimum premium starts at $2,500. To submit a risk, please provide: Completed and signed ACORD applications Expiring term information Three to five years of currently valued loss runs Completed supplemental application (Axiom’s or another carrier’s) Target pricing or expiring premium We work with a variety of carriers and write this program on a non-admitted basis in all available states. Territories and Availability This program is available in all U.S. states except Iowa and New York. There are some territorial restrictions in other states. In Michigan, only General Liability coverage is available. Why Work With Axiom Insurance Managers? Axiom Insurance Managers brings deep industry knowledge and a responsive underwriting approach to a challenging class of business. Our team understands the nuances of nightlife, alcohol-serving, and adult entertainment operations. We work closely with brokers to craft customized solutions that meet the risk profile of each account, no matter how complex. From fast-paced nightclubs to quiet wine bars, we help you place business confidently and competitively. Let us help you close more bar and tavern accounts with confidence—submit your risks to Axiom today. Frequently Asked Questions What types of accounts are a good fit for this program?This program is ideal for bars, taverns, nightclubs, adult entertainment venues, wine bars, microbreweries, and liquor/package stores. Are there any types of businesses that are not eligible?Yes, we do not write arenas, stadiums, fairgrounds, college fraternities, venues with stunt activities or pyrotechnics, liquor manufacturers, or places that allow dancing on raised platforms. Is this program admitted or non-admitted?The program is written on a non-admitted basis through various carriers. Which states is the program available in?The program is available in all states except Iowa and New York, with restrictions in some states. Only General Liability is available in Michigan. What documentation is required to submit a risk?You’ll need completed ACORDs, loss runs for the past 3–5 years, expiring premium or target pricing, and a supplemental application. Need help placing an account? Connect with a market specialist.

Policy Highlights: 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.

The short term special event insurance program is designed for organizers of short term special events that meet the following criteria: - Total attendance is 12,000 or less - Maximum number of consecutive event days is 10 not including set-up or tear-down - Event is head at a single location (except for weddings - coverage can be extended to include the rehearsal, ceremony, and reception as a single event) - Event must take place in the United States Eligible Operations for Short Special Term Event Insurance: (Including but not limited to) - After-prom party insurance school-sponsored event only) - Pageant insurance - Party insurance - Auction insurance - Quinceanera insurance - Award presentation insurance - Recital insurance - Banquet insurance (dance, music) - Bazaar insurance - Religious event insurance - Car/Motorcycle/RV/Boat - Reunion insurance show insurance - School band or drill team (static display only) competition insurance - Concert insurance - School carnival insurance - Charity event insurance (no rides/inflatables) - Concert insurance - Show insurance (animals-arena (call for approval) setting only, art, baby, craft, etc.) - Convention insurance - Debut or debutant - Social gathering/reception insurance ball insurance - Speaking engagement insurance - Festival insurance - Theatrical performance insurance - Flea market insurance - Wedding activity insurance - Graduation ceremony insurance (rehearsal, ceremony or reception) - Job fair insurance - Lecture insurance - Meeting insurance - Walking tour insurance (garden, holiday, parage of homes, historical sites)-single location parties Coverages Available & Program Highlights: General Liability - Bodily Injury and Property Damage - Personal and Advertising Injury - Products and Completed Operations - Damage to Premises Rented to You - Medical Expense - No Charge for Certificates of Insurance - Host Liquor Liability Included Liquor Liability - Primary (not available in AK, DC, HI, IA, MI) Increased Medical Expense (optional and not available online) K&K Insurance Group offers sports and recreations websites offering online purchasing capabilities and commission for agents and brokers. The website is simple to use and provides an option to purchase coverage immediately using a credit card. K&K, a leading provider of sports, leisure and entertainment insurance programs, is a key supplier of coverage to the sports and leisure industry and is pleased to offer this innovative design for our clients’ convenience. The program offers 10% commission to insurance agents when using the online binding system. A convenient registration area allows agents to manage quotes and bound accounts. Coverage can be purchased at the following site: www.eventinsurance-kk.com New! A Walk/Run Program designed specifically for competitive or non-competitive events. Please visit www.WalkRunInsurance-kk.com to apply online. Please contact our regional sales directors for questions about programs offered by K&K. David Mello – AK, AZ, CA, CO, HI, IA, ID, IL, KS, MA, ME, MN, MO, MT, ND, NE, NH, NJ, NV, NY, OK, OR, SD, UT, VT, WA, WI, WY [email protected] 260.438.7611 Nick Pentsos – AL, AR, CT, DC, DE, FL, GA, IN, KY, LA, MD, MI, MS, NC, NJ, OH, PA, RI, SC, TN, TX, VA, WV [email protected] 260.222.1864

Overview — M.J. Hall & Company, Inc. Bar and Tavern Insurance M.J. Hall & Company, Inc. offers a dedicated Bar and Tavern Insurance program designed for agents placing small- to medium-sized bars, taverns, nightclubs and restaurants with alcohol exposures. As an Excess & Surplus lines broker, M.J. Hall provides access to multiple markets and flexible solutions for accounts that require higher limits, liquor liability, assault & battery protection or specialized property and crime wording. Ideal accounts and appetite Neighborhood bars, taverns and lounges where alcoholic beverage sales represent a majority of revenue (typical definition: >50% of gross sales). Nightclubs and venues with live entertainment or dance floors (small to medium capacity). Restaurants that serve alcohol or convert to bar operations after-hours. Accounts that need primary liquor liability, assault & battery coverage, or valet/garagekeepers wording. We are best suited for accounts without catastrophic prior loss histories and with reasonable controls in place (trained staff, security protocols, incident documentation). Higher-risk nightclubs, large-capacity concert clubs, or locations with repeated severe liquor-related losses may require specialized placement or may be outside appetite. Coverage highlights and advantages General Liability: Primary or excess CGL available with limits up to $3,000,000. Primary Liquor Liability: Available up to $1,000,000 per occurrence. Optional/additional programs and endorsements: Garagekeepers coverage for valet services, Non-Owned/Hired Auto, Assault & Battery, Business Income, Medical Payments. Crime: Inside and Outside the Premises coverage for employee and third-party theft exposures. Property: Basic, Broad or Special forms; Replacement Cost or ACV; contents, business income, equipment breakdown, accounts receivable, computer equipment, outside signs, valuable papers. Access to various carriers through an E&S platform when admitted paper is not available. Underwriting notes and minimums Underwriting focuses on operations, mix of food vs. alcohol sales, security and incident history. Typical information to submit: Five years of loss history including liquor-related incidents Payroll and annual sales (split of bar vs. food when possible) Occupancy details: building construction, capacity, presence of dance floor or live entertainment Risk control measures: security staffing, ID checks, training, CCTV, incident logs Minimum premiums vary by state, class, and coverages bound. Expect minimums generally starting around $750 or higher depending on the package and selected limits. Territories and admitted status This program is available in AK, AZ, CA, HI and NV. M.J. Hall places coverage as an Excess & Surplus lines broker; admitted paper may be available in some states or for specific risks, while E&S placement will be used where admitted options are not offered. Why place this business with M.J. Hall & Company, Inc. Access to multiple carriers and flexible E&S solutions tailored for hospitality risks. Underwriters with experience evaluating alcohol-related exposures, live entertainment and valet operations. Ability to package liability, liquor liability, property and crime into comprehensive proposals—useful for agents managing accounts with mixed exposures. Responsive service for quote requests and binding on appropriate risks. Example account scenarios A 60-seat neighborhood bar with weekly live music, primary liquor sales and modest food service — needs primary liquor liability, general liability and contents coverage. A 300-capacity nightclub with valet parking — requires higher CGL limits, assault & battery coverage and garagekeepers for valet operations. Submit risks through your usual M.J. Hall wholesale channel with the requested underwriting package. For quoting questions or to confirm state availability and minimum premiums, contact your M.J. Hall representative. Frequently Asked Questions What types of bar or tavern accounts are a good fit for this program?Small- to medium-sized bars, taverns, lounges, nightclubs and restaurants with alcohol sales are ideal—especially those that need primary liquor liability, assault & battery protection or valet/garagekeepers coverage. High-capacity concert venues and accounts with repeated severe liquor losses may be difficult to place. What limits and coverages can I quote?General liability limits are available up to $3,000,000 and primary liquor liability up to $1,000,000. Property, crime, garagekeepers, non-owned/hired auto and assault & battery can be added depending on the account and carrier appetite. How does admitted vs. non-admitted placement work for this program?M.J. Hall is an Excess & Surplus lines broker and will provide E&S placement where admitted paper isn’t available. In some states or for certain accounts, admitted options may be available—placement is determined case-by-case during underwriting. What underwriting information should I include with submissions?Include five years of loss runs, a breakdown of sales (alcohol vs. food), occupancy details (capacity, live entertainment, dance floors), security measures, and any special exposures such as valet or outdoor patios. This information speeds quoting and improves chances of placement. Need help placing an account? Connect with a market specialist.

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.

EXERCISE & HEALTH CLUBS — NC, VA & DC Agents Insurance Markets, Inc. (AIM) offers a focused insurance solution for exercise and health clubs placed by licensed agents in North Carolina, Virginia, and Washington, D.C. As a Managing General Agency with access to multiple respected carriers, AIM provides brokers with expanded market access and competitive program options designed for fitness-related businesses. If you need to place coverage for gyms, personal training studios, boutique fitness centers, or wellness facilities, AIM can be your market resource. We bind a broad package of liability, property, and professional protections tailored to the exposures common in the fitness industry, backed by underwriting expertise and responsive service. Why Choose AIM for Exercise & Health Club Risks: Comprehensive General Liability coverage with limits up to $5 million Professional Liability for trainers, instructors, and fitness professionals Property coverage with enhancement forms available for added protection Equipment breakdown coverage, including computers and signage Employees can be added as insureds by endorsement where appropriate Additional Insured endorsements available for landlords or vendors Coverage for locations with swimming pools may be considered, subject to underwriting Abuse or Molestation coverage offered where applicable Hired and Non-Owned Auto liability available Medical Payments available up to $5,000 with Defense Outside the Limits Occurrence-form coverage with competitive rates Superior claims handling and dedicated customer support Target Classes and Typical Exposures: Gyms (24-hour, membership-based, or small neighborhood gyms) Personal training and boutique studios Aerobics, Zumba, yoga, Pilates, and dance fitness classes Weight and toning machine facilities Fitness centers with courts (basketball, racquetball, tennis) Facilities that include tanning beds, saunas, or similar amenities Ideal Accounts and Examples You might have a client who operates a 24-hour gym with weight machines, group fitness classes, and on-site trainers — a good fit for AIM’s package that combines GL, property, and professional liability. Another fit would be a single-location boutique studio offering personal training, yoga, and instructor-led classes that need professional liability for instructors plus general liability and contents coverage. Coverage Highlights and Advantages AIM’s program is built to address the real operational risks fitness operators face: participant injuries, trainer professional exposures, equipment breakdown, property damage, and potential abuse/molestation exposures where relevant. The program supports higher limits, additional insured arrangements, and several optional endorsements to tailor coverage to each account. Underwriting Appetite and Notes Preferred accounts are locations with professional staff, documented client intake and waivers, and routine maintenance programs for equipment and facilities. Properties with swimming pools, tanning beds, or court sports are considered but require additional underwriting review. Accounts with histories of frequent claims, large prior losses, or inadequate safety protocols may be declined or referred to excess markets. Territory and Market Positioning This program is placed on a non-admitted basis through a selection of top-rated carriers and is available to agents and brokers placing business in North Carolina, Virginia, and Washington, D.C. AIM leverages its carrier relationships to quote limits and endorsements that meet evolving client needs. Why Work With Agents Insurance Markets, Inc.? As an MGA with decades of niche experience, AIM offers underwriting specialists who understand fitness industry operations and exposures. Agents benefit from faster turnaround, competitive terms for stronger accounts, and access to markets that write occurrence-form GL with higher limits. AIM’s team works collaboratively with brokers to structure placements that win and retain clients. Ready to place an account? Connect with AIM when you need a dedicated market for exercise and health club risks — whether it’s a single-location studio or a multi-facility gym. Frequently Asked Questions What types of accounts are a good fit for this program?Ideal accounts include gyms, personal training studios, aerobics or dance fitness centers, and facilities with amenities like tanning beds or racquetball courts. Is coverage available for locations with swimming pools?Yes. Facilities with swimming pool exposures may be eligible if they meet specific underwriting guidelines and safety requirements. What limits are available for General Liability?General Liability limits are available up to $5,000,000, and excess liability can be arranged as needed for qualifying accounts. Is the program admitted or non-admitted?This program is written on a non-admitted basis through a selection of markets. Which states is this program available in?The program is available to agents and brokers placing business in North Carolina, Virginia, and Washington, D.C. Need help placing an account? Connect with a market specialist.