As an exercise professional and the owner of a fitness studio, you’ve spent numerous hours dedicated to improving your clients’ and your own health. Now it’s time to take a few minutes to protect the financial health of your fitness studio. With a brief phone call to one of our studio insurance professionals at (888) 891-1594, you can begin the process.

Professional and General Liability Insurance

Accidents Happen – Studio owners have a considerable exposure to liability claims. Professional and general liability insurance provides coverage for a wide range of claims including those resulting from a client’s workout injury to a slip and fall on premises. Our insurance program will help protect your studio’s assets in the event an accident leads to a claim.

Building and Property Insurance

Whether you own or lease your studio, FitnessPak’s Studio Program can provide the appropriate insurance solution. Coverage is available for the building itself as well as for the uniquely specialized equipment.

Coverage Limit Options

Professional & General Liability Limit Options

  • $1,000,000 per Occurrence / $2,000,000 Aggregate
  • $2,000,000 per Occurrence / $4,000,000 Aggregate


  • $1,000 Medical Payments
  • $100,000 Property Rented by You
  • $300,000 per Occurrence / $300,000 Aggregate for Abuse / Molestation Claims

Coverage Summary

  • General and Professional Liability for a Variety of Studio Types
  • Coverage for Substitute Instructors / Contract Employee Coverage Available
  • Coverage for Abuse/Molestation with Limits of $300,000 per Occurrence / $300,000 Aggregate
  • Additional Insured, Employee and Volunteer Worker Broadened Bodily Injury
  • Coverage Extensions
    • $10,000 Data Breach
    • $25,000 Emergency Event Management
    • $5,000 Identity Theft
    • $5,000 Terrorism Travel Expense
    • $5,000 Emergency Real Estate Consulting Fee
    • Insured’s Work Material Expense
    • $50,000 Executive Officer Replacement Expense
    • $50,0000 Kidnap Expense

Limits and Notable Exclusions

  • Workers’ Compensation not Included in Studio Coverage
  • Limited Trampoline / Rebounding Device Exclusion
  • Total Exclusion for Tanning Operations
  • Substitute / Contracted Trainers are not Covered Automatically, but Coverage is Available
  • Cross Fit and Extreme Sport Studios are Ineligible
  • No Professional Coverage Outside of Fitness / Exercise Training
  • No Transportation Coverage
  • No Coverage for Herbal, Medicinal and/or Nutritional Products


Call our dedicated Fitness Studio Hotline at (877) 438-7459.


This insurance program is underwritten by Philadelphia. FitnessPak is a division of InterWest Insurance Services, LLC, CA DOI License #0B01094.