Health & Fitness

Every year, more and more people invest in their health—and run into one of the over 34,000 fitness centers in the United States. Help your health and fitness industry clients reach even higher with a policy from American Specialty. From personal trainers to fitness studios to full-service health clubs, we offer customizable coverage solutions that include insurance for childcare, swimming pools and saunas, 24-hour access facilities and other specialized needs.

Program Availability

Programs available in all 50 states.

  • General Liability (including Professional Liability and Abuse & Molestation)
  • Liquor Liability
  • Automobile
  • Accident Medical
  • Excess Liability
  • Property
  • Inland Marine
  • Workers’ Compensation (Health Clubs only)
Coverage Available

Carrier rated A+, XV by A.M. Best. Programs offered on an admitted basis nationwide.

Dance Studios

Dance studio owners have many important assets to protect, and dance studio insurance from American Specialty Express provides cost-effective, reliable insurance to help cover the studio’s programs and activities, in addition to certain off-premises activities such as competitions, demonstrations, recitals, parades and fundraisers. Acceptable styles include, but are not limited to, ballet, ballroom, clogging, Irish, jazz, Latin, salsa, swing, rumba and tap.

Quote and bind online with dance studios insurance from American Specialty Express.

Fitness Studios

Exercise your right to ensure your client has the most comprehensive coverage for all their studio entails. Whether the studio focuses on bodybuilding, weight loss or hitting the gym for an end-of-the-day workout, partnering with American Specialty is the answer.

Insurance built specifically for fitness studios offers the ability to tailor coverage to the needs of each individual business. Fitness centers, single-use gyms, yoga studios, barre studios and Pilates studios are all eligible for coverage. Our program even stretches to allow independent instructors to be added as insureds.

Quote and bind online with fitness studios insurance from American Specialty Express.

Gymnastics Facilities

Gymnastics facilities have a high degree of responsibility to their students and guests, which makes a quality insurance program critical. Our insurance program provides robust protection and supports it with an experienced service team and claims adjusters. Liability and accident insurance are included in every quote with options to add coverage for non-owned and hired auto liability, abuse and molestation, business personal property, buildings and excess liability.

Quote and bind online with gymnastics facilities insurance from American Specialty Express.

Health Clubs

Whether you have a high-end club with spa services, a budget-friendly gym with only weights and exercise equipment or a racquet and swim club, we can design and deliver an insurance program to meet your unique needs. We have also developed industry-leading franchise insurance programs, driven by some one of the best technology platforms in the insurance programs marketplace.

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Client injuries are one of the biggest concerns for fitness instructors and personal trainers. American Specialty provides liability protection for instructors teaching classes and working with individual clients. There is no additional charge for certificates of insurance, including additional insured status. Coverage is provided for an annual term with options for higher limits of coverage.

Quote and bind online with instructor insurance from American Specialty Express.

Martial Arts Schools

Martial arts studios and schools have important people and assets to protect: students, instructors, property, reputation, finances and more. While students learn techniques to protect their health and well-being, facility owners must practice the same discipline in protecting the business’s assets. Even when everything is run with precise attention to detail and the utmost commitment to safety, unexpected accidents and injuries can happen. Martial arts insurance helps to protect against costly claims that would cause severe financial damage without insurance.

Quote and bind online with martial arts insurance from American Specialty Express.

Personal Trainers

Personal Trainers work hard to ensure their clients’ health and wellness. Personal trainer insurance works just as hard to make sure the trainer’s financial well-being is protected. Every time a personal trainer steps into their role, whether at the gym, in a studio or at a client’s home, there’s the potential for an accident. Despite best efforts and professionalism, unforeseen accidents can happen. Personal trainer insurance helps to protect against financial losses that can result from damage to equipment, injury to a client and allegations the personal trainer did not fulfill their professional duties.

Quote and bind online with personal trainer insurance from American Specialty Express.