Academy Owners - Insurance and Operating Costs?

I am posting this question on the behalf of a friend who is considering opening up a new academy.

What do insurance costs typically run? Can you recommend a good company to provide insurance for an academy at a reasonable rate?

Also, were there any unexpected costs that you encountered that a new gym owner should be aware of?

Thanks in advance for any information you might be able to provide! 


Thank you 1st Rnd KO