Exercise and Health Studio and...

The Sterner Insurance Agency, is a multi-line insurance agency, providing personalized insurance coverage for families and businesses. Serving clients in and around Apple Valley, Rosemount, St. Paul, Minneapolis, Minnesota and the states of Wisconsin and Iowa. Our services include Auto, Home, Life, Business & Commercial...

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Secondary Markets

Exercise and Health Studio and Personal Trainer

Get your profits in shape with this program for health and exercise clubs, including exercise equipment clubs, aerobic studios, weight-lifting gyms, personal trainers, masseuses/massage parlors, dance studios and physical therapists. Childcare for club members while on premises is included.

General Liability

Primary Limits up to $3,000,000 Occurrence/Aggregate
Hired and Non-owned Auto
Liquor Liability

Included Coverages:

Medical Payments Coverage - $5,000 Limit
Blanket Additional Insured Endorsement
Club members as additional insureds
Errors and Omissions - Policy Limits
Sexual and Physical Abuse Coverage - $25,000 per Claim/$50,000 Aggregate (Higher optional limits available)

Deductible:

No Deductible Required

Property

Basic, Broad or Special Form
Replacement Cost or ACV
Building
Contents
Business Income
Equipment Breakdown
Accounts Receivable
Computer Equipment
Outside Signs
Valuable Papers
Food Spoilage

Crime

Inside the Premises - Theft of Money and Securities
Outside the Premises