Colonial General Insurance Agency, Inc. offers a comprehensive Health Studio Insurance program designed specifically for health and fitness-related businesses. This program is ideal for retail accounts such as exercise equipment clubs, aerobic studios, weightlifting gyms, personal trainers, massage parlors, dance studios, and physical therapists. Childcare services provided on premises for club members are also eligible under this program.
Ideal Accounts and Appetite
This program is built for health and fitness studios that provide active, in-person services. You can place accounts ranging from small personal training studios to larger fitness centers with full equipment setups. Businesses offering massage services, dance instruction, or physical therapy are also within scope. This program is not limited to traditional gyms—hybrid or niche wellness businesses may also be considered. However, operations with high-risk features not addressed by the program may not qualify.
Coverage Highlights and Advantages
Commercial General Liability Coverage includes:
- Primary limits up to $3,000,000 per occurrence and aggregate
- Liquor Liability
- Hired and Non-Owned Auto
- Excess or Umbrella limits up to $25,000,000
Included coverages:
- Medical Payments ($5,000 limit)
- Blanket Additional Insured Endorsement
- Club Members named as additional insureds
- Errors and Omissions (E&O) Coverage up to policy limits
- Sexual and Physical Abuse Coverage: $25,000 per claim / $50,000 aggregate (higher limits available)
- No deductible required
- Loss Prevention Brochure provided
Property Coverage available for:
- Buildings and Contents
- Business Income
- Equipment Breakdown
- Computer Equipment
- Food Spoilage
- Outside Signs
- Inland Marine
- Valuable Papers and Accounts Receivable
- Basic, Broad, or Special Form with Replacement Cost or ACV options
Crime Coverage options include:
- Inside the Premises – Theft of Money and Securities
- Inside the Premises – Robbery or Safe Burglary of Other Property
- Outside the Premises
Underwriting Notes and Access
Coverage is available on a mono-line or package basis, offering flexibility based on your client’s needs. The program is available through various admitted and non-admitted markets, depending on the risk profile and state regulations. Colonial General works with a range of carriers to provide competitive solutions for both standard and hard-to-place accounts.
Territories and Availability
This program is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Agents serving clients in these states can access a broad market appetite and tailored underwriting support through Colonial General.
Why Work With Colonial General
As a Managing General Agency and Excess & Surplus Lines Broker, Colonial General brings strong market access and niche expertise to the table. Their experienced underwriters understand the unique exposures faced by health and wellness businesses and can help you structure coverage that protects your clients while maintaining competitive pricing. Whether you’re working with a startup fitness studio or an established physical therapy clinic, Colonial General simplifies the placement process and delivers responsive service.
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 childcare services to members during workouts.
Is this program available nationwide?
No, the program is currently available in AZ, CA, CO, ID, NV, NM, UT, and WY.
Are mono-line and package policies both available?
Yes, coverage can be written on a mono-line or package basis depending on the client’s specific needs.
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 upon request.
Can club members be added as additional insureds?
Yes, the policy includes a blanket additional insured endorsement and specifically allows for club members to be listed as additional insureds.
Need help placing an account? Connect with a market specialist.