Search CompleteMarkets

...raining studios, boutique fitness centers, or wellness facilities, AIM can be ...g studios, aerobics or dance fitness centers, and facilities with amenities li...

..., historical societies, botanical gardens, theaters, and more. With underwriti...ry museums and planetariums Nature centers Orchestras, theater troupes, an...

... - Garden club insurance ...ial-Club-Insurance/ – clubs such as gardening clubs, chess clubs, book clubs,...

... mentoring programs Botanical gardens and community gardens Caregiver and home-visiting serv... food banks, group homes, counseling centers, and community outreach programs ...

...ariums Arboretums and Botanical Gardens Art Galleries Children’s Museums... art galleries, aquariums, botanical gardens, orchestras, and similar nonprofi...

...ns, trade shows and garden) - Dinn... - Walking tours (garden, holiday, ...

...centers Arboretums, botanical gardens and natural history museums Art ...red to museums, galleries, botanical gardens, arboretums, nature centers, planetariums, orchestras, theate...

HEALTH & EXERCISE STUDIOS For NC and VA Your insureds need firm, market-ready coverage for gyms, studios and other health/exercise facilities. Agents Insurance Markets, Inc. (AIM) offers a tailored program that gives you broad liability and property protection, specialty endorsements for fitness operations, and access to several reputable insurance markets. We underwrite motivated accounts and work with our carrier partners to keep product terms competitive and service responsive. Why AIM is a market of choice for Health & Exercise Studios Comprehensive General Liability options (including occurrence forms and defense outside the limits) Professional Liability for instructors and trainers Property coverage with a Property Enhancement form for equipment and business property Equipment Breakdown coverage available Coverage extensions for signs and computer equipment Employees automatically includable as insureds by endorsement Additional Insured endorsements available for landlords, vendors and others Accepts risks with swimming pools if they meet underwriting guidelines Eligible classes Full-service and specialty gyms (with or without heavy equipment) Aerobics, dance fitness and Jazzercise-style studios Strength/toning facilities and weight machine studios Indoor courts (basketball, racquetball, tennis) Facilities with tanning beds (subject to underwriting) Product highlights General Liability limits available up to $5,000,000 Excess liability capacity available where needed Professional Liability available for instructors, trainers and program directors Abuse or molestation coverage options where appropriate Hired and non-owned auto available Damage to Premises Rented to You — up to $100,000 included Medical payments up to $5,000 Occurrence policy forms; defense outside the limits Competitive rates and strong claims handling from our carrier partners Overview of the program from Agents Insurance Markets, Inc. This program is designed for agents who need a reliable market for a wide range of fitness and exercise operations. AIM combines wholesale underwriting expertise with access to multiple carriers to deliver tailored packages—liability, property and professional coverages—that reflect the specific operations and exposures of fitness facilities. Ideal accounts and appetite Good fits include small to mid-sized neighborhood gyms, boutique fitness studios, instructor-led classes, toning and machine-only facilities, and indoor court operations. We will consider locations with tanning beds and swimming pools if they meet our underwriting guidelines. Higher-risk operations (e.g., heavy rooftop pools, full water parks, large-scale obstacle courses) may fall outside appetite—submit for review. Coverage advantages Higher limits (up to $5M) and excess layers for accounts needing broader protection Optional professional and abuse/molestation coverage for instructor exposures Property enhancement language and equipment breakdown to protect costly fitness equipment Endorsements for additional insureds and employees-as-insureds to simplify account placements Underwriting notes and minimums Underwriting focuses on operations, supervision/training practices, maintenance of equipment, facility condition and any exposures from pools or tanning equipment. Loss history, employee screening, and written safety procedures improve placement prospects. Minimum premiums, specific deductibles and admitted vs. non-admitted placement terms vary by state and carrier—please submit the application and supporting loss runs for exact terms. Territories and availability This program is available in NC, VA and DC. Placement may be on a non-admitted (surplus lines) or admitted basis depending on the state and carrier; confirm admitted options with underwriting at submission. Why place this business with AIM MGA with program expertise and direct access to several established carriers Structured enhancements for fitness-specific property and liability exposures Flexible endorsements (additional insureds, employees as insureds, hired/non-owned auto) Responsive underwriting and competitive pricing for well-presented risks Example accounts you can place A 30,000 sq. ft. community gym with weight and cardio equipment, indoor courts, and a small tanning area—seeking $2M GL and property coverage for equipment. A boutique Pilates/yoga studio with multiple instructors that wants professional liability and general liability limits plus employee coverage endorsements. Frequently Asked Questions What types of fitness businesses are eligible through this program?Gyms and studios such as full-service gyms, boutique fitness, aerobics/Jazzercise, toning/weight machine facilities, indoor court facilities, and studios with tanning beds—subject to underwriting review. Pools are considered if they meet guidelines. What limits and coverage enhancements are available?General liability limits up to $5,000,000, excess liability where needed, professional liability, abuse/molestation options, equipment breakdown, property enhancement language, hired/non-owned auto and additional insured endorsements. Are swimming pool exposures acceptable?Pool exposures can be accepted if they meet AIM’s underwriting criteria (lifeguard policies, maintenance records, safety procedures). Submit full details so underwriters can evaluate specific risks. How should I submit a risk for consideration?Provide a completed application, current loss runs, and details on operations, safety procedures and equipment. Underwriters will review and advise on available terms, limits and any required risk controls. Need help placing an account? Connect with a market specialist.