Gym Insurance & Fitness Studio Insurance

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Coverage Plans for All Your Needs


Essential coverages to meet client demands

General Liability (GL)

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  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations


When you also have equipment or operate from a studio

General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown


Get protected against employment-related issues

Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation


When you have specific requirements

Inclduing Business Interruption, Commercial Auto, etc.

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Frequently Asked Questions

Why do Fitness Centers need Insurance?

Professionals in this industry operate fitness and recreational sports facilities, such as aerobic dance or exercise centers, gymnasiums, ice or roller skating rinks, physical fitness centers; handball, racquetball, or tennis club facilities; and swimming or wave pools.

Fitness centers give community members a valuable tool every day, a way to look out for their health and wellbeing. Services offered may vary significantly, but your patrons are thankful for the opportunity. Just like you promote physical well-being to customers; it is also important that you look at the welfare of your fitness center. Insurance is a crucial component of your overall well-being. It protects your business reputation, financial assets, and your livelihood during claims and lawsuits.

What risks do Gyms face?

You may think that your guests or members would never file a lawsuit, but the truth is they happen every day. Take a look at the biggest risks you face:

  • Injuries or Fatalities: Even though you promote healthy lifestyles, you can’t control how hard guests push themselves. If a member has a heart attack or falls off the treadmill and breaks an arm, you can be held responsible for all expenses associated with it.
  • Bad Advice: Members often hire professional trainers for insight and advice. If one of your trainers offers advice that leads to injury or illness, the customer can sue your fitness center.
  • Food Poisoning: Many fitness centers offer juice bars or other concessions to their patrons. If the food you serve causes individuals to get sick, they can sue you for damages including medical expenses, lost revenue from being off of work, and pain and suffering.
  • Broken Equipment: Workout equipment in fitness centers is used hard all the time. Occasionally equipment may end up broken without your knowledge. If a weight bench falls while in use causing back injury, you will need to pay medical expenses for the injured party.
  • Defective Products: Some fitness centers sell products including apparel, equipment, and nutrition supplements. If any of these products damage the customer’s property or cause injury or illness, you are responsible for replacing it or paying additional costs.

Other potential claims include employee injuries, data breach, or even auto accidents if you have a business vehicle or employees run errands on behalf of the fitness center.

How much does Gym insurance cost?

Every insurance carrier has a unique view on fitness centers which impacts the cost of insurance. The majority need to look at your loss runs, experience, and safety measures to calculate insurance costs. Juice bars, professional trainers, and selling products will also impact the final costs. You can request a quote for your fitness center insurance below today.

What does Gym Insurance cover?

Gym Insurance offers a unique combination of insurance that gyms and fitness centers can highly benefit from. A typical gym insurance has General Liability, Product Liability and other liability insurance that protects your gym or fitness center from common lawsuits, injuries and property damage occurring in your type of business. It will also include medical coverage for participants when they are injured during your sponsored tournaments or competitions.

Did you know that there is a vast array of insurance policies that will cover almost anything you can think of? Fitness business insurance does not have to cost you an arm and a leg either. A great way to cut costs when putting together your insurance portfolio is to bundle when you can. When it comes to small gym insurance a great way to bundle is to get what is called a BOP, or business owners insurance. It is a one-size-fits-all type of policy that has General Liability and Commercial Property built-in with lots of bells and whistles like Business Interruption. A bigger operation may want to look at a Commercial PAckage insurance policy instead, as it is like a BOP in that it has liability and property coverages, but is much more customizable based on the needs of the business. Working with an agent is the best way to make sure you have the right insurance program for your unique situation.

What risks do fitness centers face?

When you run a gym or fitness center, you know that your customers will be involved in intense physical activities. In fact, the intensity of most exercise can lead to sickness, injuries, and even death. Sometimes someone can get injured while using your equipment, receive a leg injury while working with a trainer, or even worse, get killed while doing an exercise. These incidents can leave you open to a lot of claims and lawsuits, and without a gym insurance, your business won't be able to survive for long.

Do Fitness Centers need Workers Compensation?

If you are in the market for fitness industry insurance, you may be wondering if you need Workers Compensation insurance, or if it is just another expense that you have to incur. The easiest way to answer this is to say that if you have employees, you most definitely do need Workers Compensation as part of our fitness industry insurance package.

Along with General Liability, Commercial Property, and probably Business Auto insurance, Workers Compensation is a must-have insurance policy if you care to stay in business. t is going to provide coverage for your employees’ lost wages and medical bills that they sustain if they are injured, or become ill, on the job. With the fitness industry, these claims can tend to be frequent since your employees are often demonstrating how to use fitness equipment. Additionally, with the number of people that come in and out of your health or exercise clubs, your employees are bound to get sick.

Most states now require businesses to carry Workers Compensation also, so if you don’t have it you could be in danger of facing some pretty hefty fines. Usually, the cost of the insurance far outweighs the potential consequences of not having it. Also, if an employee is injured and thinks it happens because you, as a business owner, were negligent they could sue you. Workers Compensation insurance also has Employers’ Liability coverage which will pay for your defense costs and any settlements or judgments that may be awarded due to a claim of this nature.

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