Overview — Colonial General Insurance Agency: Personal Trainer Insurance Program
Colonial General Insurance Agency, Inc. offers a targeted Personal Trainer Insurance program designed for agents placing coverage for independent trainers, small studios, and fitness clubs. As a managing general agency and excess & surplus lines broker, Colonial General provides flexible property and liability solutions — including monoline and package options — with admitted placements available in some markets and non-admitted/E&S capacity where needed.
Ideal accounts and appetite
- Independent personal trainers and instructors working in studios, gyms, or clients' homes
- Small to medium-sized fitness facilities: aerobic studios, weight lifting gyms, dance studios, and boutique exercise clubs
- Related professionals such as sports masseuses, physical therapists (where permitted), and studios that provide on-premises childcare for members
- Less appetite for large multi-location fitness chains, significant spectator events, or high-risk specialty training operations without prior submission
Coverage highlights and advantages
This program bundles important protections tailored to fitness professionals and facilities:
- Commercial General Liability — Primary limits available up to $3,000,000 occurrence and aggregate
- Excess / Umbrella limits available up to $25,000,000
- Included coverages: Medical Payments ($5,000), Blanket Additional Insured endorsement, club members listed as additional insureds, and an Errors & Omissions coverage part (policy limits)
- Sexual and Physical Abuse coverage — $25,000 per claim / $50,000 aggregate (higher optional limits available)
- Optional extensions often available: Liquor Liability, Hired & Non-Owned Auto
- No deductible required on the standard liability form; loss prevention brochure and risk-control guidance available to insureds
Property and ancillary coverages
Property forms may be written on basic, broad, or special causes of loss and can include:
- Building, Contents, Equipment Breakdown, Computer Equipment
- Business Income, Accounts Receivable, Valuable Papers, Inland Marine, Outside Signs
- Replacement Cost or Actual Cash Value settlement options; Food Spoilage and other niche endorsements available
Crime coverage
- Inside the premises — theft of money and securities
- Inside the premises — robbery or safe burglary of other property
- Outside the premises coverage available
Underwriting notes and submissions
When submitting, include current operations details, training formats (one-on-one, small group, virtual), any childcare services offered on premises, and loss history. The program evaluates exposures such as client contact, equipment use, and allegations of professional negligence or abuse. Colonial General can consider both monoline liability and package property/liability submissions; higher limits, E&O, and sexual abuse coverages are available on request.
Territories and licensing
Program availability includes: AZ, CA, CO, ID, NV, NM, UT, WY. Some admitted markets are available where carriers are licensed; other placements may be on a non-admitted/E&S basis depending on state and account characteristics. Carriers vary by risk and market conditions.
Why place this business with Colonial General
- MGA and E&S brokerage expertise focused on fitness and wellness classes of business
- Access to multiple carriers and limit options up to large umbrella capacity
- Policy forms tailored for trainers and small fitness operations with bundled E&O and abuse coverage options
- Dedicated underwriting and loss-control materials to help reduce exposures and support renewals
Example accounts that fit well
- A lone personal trainer who provides 1:1 and small group sessions out of a rented studio and needs combined general liability and professional liability limits with optional hired/non-owned auto.
- A boutique aerobic studio with on-site childcare and a small retail area seeking a package policy including contents, business income, and liability with abuse coverage.
Frequently Asked Questions
What types of personal trainer operations are a good fit for this program?
Independent trainers, boutique studios, aerobic and dance studios, small gyms, and related professionals (massage therapists, physical therapists where permitted) are good fits. The program favors operations with documented safety procedures and limited high-risk activities.
Are professional liability (E&O) and sexual abuse coverages included?
Yes. The program includes an Errors & Omissions part at policy limits and Sexual & Physical Abuse coverage at $25,000 per claim / $50,000 aggregate, with higher optional limits available upon request.
Can I place accounts with clients who provide childcare while members train?
Yes. Childcare for club members while on premises is included as part of the program, but full details and any underwriting requirements should be submitted with the application to confirm eligibility.
Which states and admission statuses are available?
Coverage is available in AZ, CA, CO, ID, NV, NM, UT, and WY. Some markets offer admitted placements; other risks may require non-admitted or E&S placement depending on the state and account specifics.
Need help placing an account? Connect with a market specialist.