The SF Bay Insurance Agency is a multi-line insurance agency, providing personalized insurance coverage for families and businesses. Serving clients in Newark, Fremont, Hayward, Milpitas, California. Our services include Auto, Home, Life, Business and Commercial Insurance.

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