Health and Exercise Studios Insurance For NC and VA

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

Need help placing an account? Connect with a market specialist.