General Liability
$350
Typical annual midpoint with a benchmark range from $290 to $500.
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Industry insurance page
Insurance for Personal training studio
Use this page to review the benchmark ranges, default coverage bundle, and state-by-state workers' comp context for personal training studio businesses before running the estimator.
NAICS 713940General LiabilityBusiness Owner's PolicyWorkers' CompensationErrors & OmissionsCyber Liability
Business Owner's Policy
$702
Typical annual midpoint with a benchmark range from $560 to $1,000.
Workers' Compensation
$659
Typical annual midpoint with a benchmark range from $530 to $940.
Errors & Omissions
$500
Typical annual midpoint with a benchmark range from $340 to $710.
Cyber Liability
$1,609
Typical annual midpoint with a benchmark range from $1,180 to $2,300.
Workers' comp by state
Alaska
Class code 6204 · minimum premium $636
$4.24 / $100 payroll
Alabama
Class code 6204 · minimum premium $1,500
$6.30 / $100 payroll
Arkansas
Class code 6204 · minimum premium $0
$1.93 / $100 payroll
Arizona
Class code 6204 · minimum premium $0
$3.31 / $100 payroll
California
Class code 8870 · minimum premium $650
$0.94 / $100 payroll
Colorado
Class code 6204 · minimum premium $0
$3.90 / $100 payroll
Connecticut
Class code 6204 · minimum premium $1,500
$8.65 / $100 payroll
Delaware
Class code 0884 · minimum premium $535
$0.32 / $100 payroll
Georgia
Class code 6204 · minimum premium $550
$3.35 / $100 payroll
Hawaii
Class code 6204 · minimum premium $0
$9.53 / $100 payroll
Iowa
Class code 6204 · minimum premium $752
$5.39 / $100 payroll
Idaho
Class code 6204 · minimum premium $400
$5.92 / $100 payroll
Illinois
Class code 6204 · minimum premium $0
$4.06 / $100 payroll
Indiana
Class code 6204 · minimum premium $857
$2.21 / $100 payroll
Kansas
Class code 6204 · minimum premium $0
$3.35 / $100 payroll
Kentucky
Class code 6204 · minimum premium $0
$2.53 / $100 payroll
Louisiana
Class code 6204 · minimum premium $0
$2.93 / $100 payroll
Massachusetts
Class code 9063 · minimum premium $192
$0.37 / $100 payroll
Maryland
Class code 6204 · minimum premium $0
$2.94 / $100 payroll
Maine
Class code 6204 · minimum premium $800
$7.46 / $100 payroll
Michigan
Class code 6204 · minimum premium $653
$3.62 / $100 payroll
Minnesota
Class code 9063 · minimum premium $217
$1.09 / $100 payroll
Missouri
Class code 9063 · minimum premium $723
$1.35 / $100 payroll
Montana
Class code 9063 · minimum premium $300
$0.87 / $100 payroll
North Carolina
Class code 6204 · minimum premium $0
$3.03 / $100 payroll
North Dakota
Class code 9090 · minimum premium $250
$1.15 / $100 payroll
Nebraska
Class code 6204 · minimum premium $1,000
$9.20 / $100 payroll
New Jersey
Class code 9053 · minimum premium $522
$1.25 / $100 payroll
New Mexico
Class code 6204 · minimum premium $0
$4.08 / $100 payroll
Nevada
Class code 6204 · minimum premium $0
$3.96 / $100 payroll
New York
Class code 9055 · minimum premium $375
$0.47 / $100 payroll
Ohio
Class code 9063 · minimum premium $300
$0.46 / $100 payroll
Oklahoma
Class code 6204 · minimum premium $0
$3.10 / $100 payroll
Oregon
Class code 6204 · minimum premium $550
$5.03 / $100 payroll
Pennsylvania
Class code 0884 · minimum premium $437
$0.43 / $100 payroll
Rhode Island
Class code 6204 · minimum premium $0
$4.27 / $100 payroll
Tennessee
Class code 6204 · minimum premium $0
$1.92 / $100 payroll
Texas
Class code 9063 · minimum premium $500
$0.18 / $100 payroll
Utah
Class code 6204 · minimum premium $0
$1.98 / $100 payroll
Virginia
Class code 6204 · minimum premium $738
$3.73 / $100 payroll
Vermont
Class code 6204 · minimum premium $0
$5.36 / $100 payroll
Washington
Class code 6204 · minimum premium $0
$0.4890 / hour worked
Wisconsin
Class code 6204 · minimum premium $900
$8.40 / $100 payroll
West Virginia
Class code 9063 · minimum premium $300
$0.19 / $100 payroll
Wyoming
Class code 611000 · minimum premium $376
$1.54 / $100 payroll
Common contract requirements
- • General liability is the base line for landlord, client, and vendor COI requests.
- • Property-heavy operations should keep premises, equipment, and business interruption details ready.
- • If you hire employees, workers' comp proof and payroll assumptions usually matter immediately.
- • Professional services contracts commonly ask for E&O or professional liability evidence.
- • Data-handling workflows should prepare security and breach-response details for cyber reviews.
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