Health & Fitness

At nearly $100 billion, the Health & Fitness industry is a booming market with 34,000 fitness centers in the U.S. alone!  So no matter where you’re located, there’s sure to be a health club or fitness center just down the street—we even have our own company fitness center right next door!

Program Availability


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

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 affordable, reliable insurance to cover the studio’s programs. The insurance covers activities at the studio 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 & Bind Online with American Specialty Express Dance Studios Program.

Fitness Studios

Insurance built specifically for fitness studios facilities offering 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. And our program even stretches to allow independent instructors to be added as insureds.

Exercise your right to ensure your client has the best 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.

Quote & Bind Online with American Specialty Express Fitness Studios Program.

Gymnastics Facilities

Gymnastics facilities have a high degree of responsibility to their students and guests, which makes a quality insurance program critical to protecting its success. Our insurance program provides robust protection and supports it with an expert 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 & Bind Online with American Specialty Express Gymnastics Facilities Program.

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 help design and deliver an insurance program that is sure to succeed.  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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Insurance for fitness instructors and personal trainers needs to provide liability protection in case of a participant injury.  Instructors teaching both classes and individuals are eligible for coverage.  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 & Bind Online with American Specialty Express Instructors Program.

Martial Arts Schools

Martial arts studios and schools have important assets to protect: students, instructors, property, reputation, finances, and more. 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 protects against costly claims that would cause severe financial damage in the absence of insurance.

Quote & Bind Online with American Specialty Express Martial Arts Program.

Personal Trainers

Personal Trainers work hard to ensure their clients’ health and wellness. Personal Trainer Insurance works hard to make sure the trainer’s financial wellbeing is protected. Every time a personal trainer steps into their role, whether it be at the gym, in a studio, or at a client’s home, the potential for an accident exists. Despite best efforts and professionalism, unforeseen accidents can happen. Personal Trainer Insurance protects 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 & Bind Online with American Specialty Express Personal Trainers Program.