Exercise and Health Studio and Personal Trainer

 Heath Club, Gym & Yoga Studio Insurance


Sterner Insurance Agency - Apple Valley, MN - Your Health Club/Gym Insurance Professionals

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  Excercise Gym/Yoga Studio InsuranceGet your insurance in shape with this program for health and exercise clubs, including exercise equipment clubs, aerobic studios, weight-lifting gyms, personal trainers, masseuses/massage parlors, dance studios and physical therapists. Childcare for club members while on premises is included. Compare our free, no-obligation price quote for gym, yoga, health & fitness studios. The insurance you need to protect your health club, fitness center, day spas, rec centers, or gym.

General Liability

  • Primary Limits up to $3,000,000 Occurrence/Aggregate
  • Hired and Non-owned Auto
  • Liquor Liability

Included Coverages:

  • Medical Payments Coverage - $5,000 Limit
  • Blanket Additional Insured Endorsement
  • Club members as additional insureds
  • Errors and Omissions - Policy Limits
  • Sexual and Physical Abuse Coverage - $25,000 per Claim/$50,000 Aggregate (Higher optional limits available)


  • No Deductible Required


  • Basic, Broad or Special Form
  • Replacement Cost or ACV
  • Building
  • Contents
  • Business Income
  • Equipment Breakdown
  • Accounts Receivable
  • Computer Equipment
  • Outside Signs
  • Valuable Papers
  • Food Spoilage


  • Inside the Premises - Theft of Money and Securities
  • Outside the Premises

Let the Sterner Insurance Agency - Apple Valley, MN, help you understand and protect all of the risks you run and all of the perils your business faces. We will do this with a well thought out and executed business insurance policy designed just for our Health Club Insurance policy holders.