Gym Insurance & Fitness Studio Insurance

Get business insurance with optimized coverage to meet your exact needs

Prefer to speak with a CoverWallet consultant? Call (646) 844-9933 anytime.

Better, Regardless of Your Size

  • Insurance that keeps your business fit and healthy; get fast and free quotes today

  • Insurance that won't make you spin; get a quote now

  • Cost-effective insurance that won't drag you down

  • Gym Insurance: The fastest service in the market

Coverage Plans for All Your Needs


Essential coverages to meet client demands

General Liability (GL)

Instant quote »


  • 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)

Instant quote »

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*

Instant quote »

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.

Instant quote »


We will take care of the switching hassle.

Call us at (646) 844-9933 for help and more information

Act Now, Get Protected Easily, Quickly and Affordably

See how much you could be saving, with best in class insurance partners.

Start your application and get a free quote in minutes.

Or call (646) 844-9933 anytime.

Get protected easily with CoverWallet

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.

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.

Peace of Mind, At Your Fingertips

CoverWallet utilizes state of the art technology to help small businesses understand and buy customized coverage, get significant savings and conveniently manage their insurance, in a matter of minutes, all through our online platform.

why coverwallet

Businesses Love CoverWallet

Our mission is to help small businesses to be better protected, informed and served. See what our customers are saying.

Testimonial John White

Personalized Service

5 stars service

John White, Restaurant Owner

I didn’t know what type of insurance I needed for my new business so I called CoverWallet and the agent provided me with everything in under an hour!

Testimonial Laura Campbell

Quick and Easy!

5 stars service

Laura Campbell, Distributor

There is nothing more that CoverWallet could have done to make the process any faster or easier. They made it as painless as possible.

Testimonial Anthony Williams

Honest and Transparent

5 stars service

Anthony Williams, Contractor

I was extremely satisfied with all services and communications with customer support. I would definitely recommend to others. Thank you CoverWallet!

We are making headlines!

Already insured?

No worries, keep your insurance, just get an account with us to manage your policies, certificates of insurance and more

Get CoverWallet »

Need help? Get free advice

Understand in 10 seconds what type of insurance your industry needs, and why

Insurance Assessment »

The Power Behind CoverWallet

Algorithms, Science, Magic
Customized, Intelligent Application
State of the Art Technology

Algorithms, Science, Magic!

You wanted better protection and cheaper pricing. So did we. We baked that dream into everything we've set out to accomplish in building our award winning platform.

Customized, Intelligent Application

We have one! How much could we have really improved the insurance purchase process? Try us! We ask only the questions you need to answer, nothing more.

State of the Art Technology

We've built all our fancy tech from scratch, which allows us to get you certificates on demand, free of charge, and for us to find you savings.

Are you ready to get down to business?

Start your application and get a free quote in minutes or call (646) 844-9933 anytime.