Health & Wellness
Coverage designed for client care, liability, and day-to-day operations.
Coverage that fits, whether you’re a gym or a home studio
Whether your day-to-day involves essential oils and esthetics, or calisthenics and calories, you need insurance built around how your health & wellness business actually operates, not a generic package. A large gym with 40 employees and a home-based personal trainer face very different exposure, and the coverage should reflect that.
Who we work with
- Gyms and fitness studios
- Spas and esthetics
- Personal training
- Yoga and wellness studios
- Home-based wellness practitioners
Common risks in health & wellness
- Client injury and liability, since hands-on services and physical activity carry inherent risk of injury
- Professional liability, if advice, treatment, or a service leads to a client’s loss or harm
- Cyber exposure, from storing client health information, booking data, or payment details
- Staffing and retention pressure, where group benefits can be part of keeping good employees
What coverage typically looks like
Most health & wellness businesses combine general liability and professional liability as a base, then add cyber insurance for client data and group benefits plans to support staffing. The right mix depends heavily on scale, facilities, and the type of service you provide.