Gorst has a great package market for aerobic studios, corporate fitness centers, independent fitness centers as well as franchised fitness centers. Packaged or monocline. Automatic coverage for child sitting, personal trainers / aerobic instructors, 4 sport courts, Jacuzzis, hot tubs, saunas and steam rooms. No liability deductibles! Broadened GL definition of BI to include mental aguish and emotional distress. The following may be included with packages- ISO's 04/02 property coverage form, a special endorsement to include 14 coverages for a minimal flat charge and equipment breakdown.