Personal Services


Protecting your health & wellness center.

Whether you own a gym, yoga studio, day spa, or hair salon, you’re in the business of keeping your customers happy and healthy. But to keep your business healthy you will need an insurance policy that protects your business from a number of industry related risks.

First, if you have employees, and to comply with state laws, you need workers’ comp insurance. You need protection for your space (whether leased or owned) and for your stuff. General liability covers your legal costs in the event of an accident or if an injured customer sues your practice. Professional liability can protect you in the event a customer claims you did something inappropriate – such as gave incorrect instructions or over-corrected a student’s posture in a pose.

Need more information? Speak with one of our insurance experts to find the right coverage for your healthcare business.

The policies you need.

General Liability

You’re covered in case of customer lawsuits, such as “slip and fall” cases.

Commercial Property

This policy covers your business for many kinds of property damage.

Workers’ Comp

Covers you and your employees in the case of an employee injury.

Professional Liability

This policy protects your business from lawsuits over your services.

The benefits of a business owner’s policy.

A business owner’s policy (BOP) is a packaged insurance policy that contains all of the essentials most health and wellness businesses need. A BOP combines the two primary commercial coverage types – general liability and property insurance – into one, affordable policy. This packaged policy covers the widest range of risks that the average business owner faces: protection from lawsuits, damage to their business space and property loss.

There are also many add-ons that can be included in a business owner’s policy to protect the unique needs and risks inherent in a health and wellness business. For example, professional liability coverage, which can provide specific protection for personal trainers, beauty salons or yoga instructors can be added to a BOP.

Additional coverages we recommend.


Business Interruption

Coverage for lost income if a business must close temporarily.

Dependent Property

Income coverage for when a business or property you rely on closes.

Equipment Breakdown

Coverage for necessary repairs to your important equipment.

Food Contamination

These coverages protect your investment in food inventory.