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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.

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.

... • Lessors Risk Only (LRO) • Nail Salons, Beauty Shops, and Barber Shops • Pro...