Health and Fitness

VFIB can place workers' compensation and other coverage for health and fitness risks with “A” rated carriers in all states. Eligibility varies by state, class codes, and exposure.

Eligible health and fitness risks

  • Fitness Studios
  • Yoga Studios
  • Pilates Studios
  • Health & Beauty
  • Day Spa
  • Products sold at Fitness Studios
  • Tennis Bubbles

Coverages available

  • Workers' Compensation*
  • Products Liability
  • Rental Liability
  • GL and/or Property coverage
  • Health and Beauty

Please submit the following items to sales@vfib.com

  • Website address of business
  • Application and other necessary information depending on the product:
Workers' Compensation
  • Fully completed Acord 130
  • 3-5 years currently valued loss runs (valued within 30 days of the effective date)
  • Explanation of owners experience for new ventures
  • Experience Modification Worksheet (if applicable)
  • Supplemental questions if required by the carrier
Tennis Bubbles, Rock Walls, etc.
  • Property or Rental Liability Application
  • Recent pictures and good information regarding upkeep
Products Liability
  • Health & Beauty Trade Application or generic Products Liability Application

Please contact VFIB for an application or other information.


*individual trainers ineligible