Recognize that accidents and other undesirable things can happen. Equipment for working out will get damaged and must be repaired or replaced. You might be held liable if fitness instructors commit misconduct. An employee might get involved in a car accident while on his way to personally train a client in their private gym.
To protect yourself against the resulting costs, get insured through a gym and fitness insurance plan. Insurance will cover costs if mishaps happen. This will also help you close deals with ease if a Spin studio wants to rent your place.
Before anything else, you must understand that fitness and gym insurance offers you different types of protection. Common gym and fitness business insurance you can avail from it are general liability, commercial property, workers' compensation, and more.
Read this guide to know how the specialized insurance for gym owners and fitness studio owners works. Understand the functions of the policies offered in fitness studio and gym owner insurance plans, how much premiums cost, what are the best companies, and more.
Fitness studio and gym liability insurance is what’s officially known as a general liability insurance policy. You’ll always find this included in specialized gym and fitness studio insurance. Also, this is the most essential insurance needed for a gym and fitness studio.
General liability insurance for a gym functions to cover personal injury claims and property damage claims when an accident happens and an affected third party decides to sue your gym or fitness studio. The following are some situations where general liability insurance for a gym can help:
An individual was lifting weights in your gym or fitness studio. The person couldn’t take the heaviness and the weights fell causing injuries
A person using the treadmill slipped and hit his head on the machine, resulting in head trauma
While on the climbing wall, the client slipped, fell, and plummeted to the floor
Equipment in your gym or fitness studio wasn’t neatly kept. Someone was walking around while using a phone. The person tripped and fell. As a result, his phone was cracked
It’s easy to understand how general liability insurance works. When a personal injury claim or property damage claim is filed by a third party, this type of gym and fitness center insurance provides the money you can use to:
Cover or reimburse the medical expenses of the claimant
Refund the value of the claimant’s property, which got damaged due to your gym or fitness studio’s fault
Pay for attorney fees, administrative costs, and other associated expenses required to wrap up a personal injury claim or property damage claim
General liability insurance can become a customized gym liability insurance by adding optional gym and fitness club insurance policies. Such optional add-ons to gym, fitness studio, and health club liability insurance are :
Advertising injury coverage-Covers costs if your gym or fitness studio is sued for slander, libel, or copyright infringement
Rented premises liability coverage-Rented premises liability coverage will refund the property owner if a rented or leased commercial space is damaged or destroyed by a fire due to your fault
General liability insurance only covers personal injury claims or property damage claims filed by third parties and not employees. Third parties, as used in the language of this type of gym and fitness centre insurance, pertain to clients, visitors, vendors, and other individuals not directly involved with your gym or fitness studio’s operations.
How much money can you get from general liability insurance? General liability insurance for fitness studios and gyms has a $1 million-$2 million per occurrence limit for bodily injuries and property damage with an aggregate set at $2 million. But note that, if the carrier allows it, you can customize your gym liability insurance and get $3 million-$5 million coverage.
Note that general liability insurance can be sold as a gym insurance by the hour. There are also insurance companies selling it as a monthly gym liability insurance. When bought as a gym and fitness liability insurance by the month or hour, general liability insurance only provides coverage for personal injuries or property damage. Optional policies can be added or not if you decide to buy general liability as a gym and fitness liability insurance by day or month depending on which carrier you decide to work with.
You need a related type of fitness industry insurance if your gym or fitness studio provides zumba, aerobics, barre, and pilates coaching and other related services to clients-professional liability insurance. Let’s discuss what this is in the next section.
Aside from accidents, clients can sue your gym or fitness studio if the services or advice provided by instructors have substantial errors. This exposure falls out of the scope of general liability insurance. You need a related type of fitness gym insurance. For protection, carriers underwrite professional liability insurance for fitness classes. Use this insurance when:
A student files a claim because a fitness or training program you recommended didn’t bring the expected results
A student decides to sue because the program you recommended caused harm
You’re demanded to compensate for losses after giving an inaccurate advice
You were accused of being negligent because the student you’re assisting experienced an accident while working out
Note that this type of gym instructor insurance is best bought as an occurrence policy. To quickly explain, occurrence professional liability insurance takes care of a covered peril regardless of when you report the incident to the insurance company. It provides protection all year round. What’s important is that the peril happened during the policy duration.
The usual per occurrence limit of professional liability insurance for 24 hour gym and fitness studios is set at $1 million-$2 million. As for the aggregate limit, it’s $2 million. While it’s rarely possible to customize your limits, you can always opt to find insurance companies underwriting a professional liability insurance fitness offering $4 million-$5 million limit.
The majority of carriers sell professional liability insurance as a stand-alone policy. However, this gym business insurance is also available as an optional coverage you can add to general liability insurance. A company that allows you to do this is NEXT Insurance.
Gym public liability insurance works the same way as general liability insurance. Public liability insurance fitness covers personal injury claims and property damage claims filed by third parties.
Gym and fitness public liability insurance can’t be added with optional policies. And so, it’s cheaper than general liability insurance. Decide to get this one if your gym or fitness studio is still picking its pace.
Some insurance companies sell this insurance as gym liability insurance by the month, day or hour. When availed as a monthly, daily, or hourly gym liability insurance, public liability insurance provides $300,000-$500,000 minimum coverage.
A commercial fitness studio and commercial gym insurance can be added with product liability insurance. Insurance companies offer this if you’re selling protein shakes, protein powders, and other workout supplements.
When workout supplements clients bought from your gym caused allergies or any other illnesses, product liability insurance for gyms will cover the cost if a claim is filed. Specifically, this business insurance gym will cover attorney fees, administrative costs, and other legal expenses.
Product liability insurance for fitness centers and gyms can be availed as a stand-alone policy. However, you can customize your gym insurance and add this to the general liability policy. The policy limit of product liability insurance starts at $100,00-$500,000. If added as an optional coverage, it shares the limits of general liability insurance or has its own sub-limit.
Understand that some claims cost more than what your general liability insurance or professional liability insurance can handle. And to solve this problem, consider adding umbrella liability insurance to your fitness studio and small gym insurance plan.
Also called excess liability insurance, umbrella liability insurance supplements the policy limits of professional liability or general liability insurance. Here’s an example for you to understand better how this sports & fitness insurance policy works.:
Suppose you have $2 million general liability insurance. A third party files a personal injury claim and wants you to pay $3 million for medical expenses and punitive damages. Your general liability insurance can take care of the $2 million but there’s still an excess $1 million. This excess amount will be covered by umbrella liability insurance. And so, you still settle the claim without spending personal money
Umbrella liability insurance is sold in increments of $1 million. The maximum amount of coverage you can purchase is $10 million-$100 million. Consider buying umbrella liability insurance if the general liability insurance or professional liability insurance you purchased only provides $1-$2 million coverage and the carrier doesn’t allow you to get more. Note that umbrella liability insurance can’t supplement the limits of general liability or professional liability insurance bought as a monthly, hourly, or daily fitness liability insurance.
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Get commercial property insurance for gym facilities and fitness studios to protect investments if you lease, own, or rent a building. This type of small business gym insurance is also a common inclusion in most gym and fitness studio insurance plans. Commercial property insurance helps by:
Refunding the value of roofing, doors, flooring, windows, signage, siding, or any other damaged structures
Reimbursing the value of the entire building if it’s destroyed
You must understand that commercial property insurance for fitness studios and gyms only provides coverage if building damage or destruction is caused by specific causes. Such specific causes included in the terms of this fitness studio and climbing gym insurance are:
Theft
Vandalism and other forms of malicious mischief
Impact damage
Aircraft damage
Winds
Storms
Fire
Sprinkler breakdown
Explosions
Burst pipes
Riot
Civil commotion
Sinkhole collapse
Other covered perils stated in the policy’s terms
Commercial property insurance for fitness studio and gyms is available as an actual cash value or replacement cost policy. Actual cash value commercial property insurance reimburses losses based on the depreciated value of a covered gym or fitness studio. For example, if your gym or studio is worth $1 million and it depreciates 5% before getting destroyed or damaged, then the money you’ll get will only be $500,000.
As for replacement cost commercial property insurance for fitness business and gym business, it reimburses losses based on the non-depreciated value of the covered fitness studio or gym. For example, if the building is worth $1 million, the amount of insurance money you’ll get if it becomes damaged or destroyed will be the same.
Having commercial property insurance is very important. You can use the money this type of gymnasium insurance provides to rebuild your fitness studio or gym and resume business operations as if nothing happened.
Commercial property insurance for gyms and fitness studios can be added with contents coverage. With gym contents insurance coverage added, commercial property insurance doesn’t only protect the building but also the equipment inside. And so, you’ll get reimbursement in case treadmills, barbell sets, stationary bikes, ellipticals, training benches, and others get lost or damaged.
Note that contents coverage only kicks in if covered pieces of equipment got lost or damaged while on the premises of your fitness studio or gym. It doesn’t apply if the equipment were lost during transport or while they’re on another business premise. Note that some companies don’t offer contents coverage, but instead allow you to add gym equipment insurance coverage to commercial property insurance.
You get to decide the limits of commercial property insurance. Coverage can be as low as $15,000 or as hefty as $250,000. You can even get more than $1 million, provided that the carrier’s commercial property insurance offers this much.
Workers' compensation insurance can be added to gym and personal training studio insurance plans if you’re employing full-time and part-time fitness instructors.
The majority of those working at gyms and fitness studios sustain injuries from time to time. Injuries range from fractures, muscle overuse, tendonitis, shin splint, wrist pain and dislocation, IT band syndrome, shoulder joint tear, and lower back pain.
The function of workers' compensation insurance is to cover expenses if an employee seeks help from your business after sustaining any of the injuries mentioned. Specifically, it will cover the following:
Medical expenses-If an accident happens at the gym or personal training studio, workers compensation insurance will reimburse what you spent on ambulance fees and emergency room fees
Hospitalization-This type of gym and personal training business insurance covers bills if the instructor working for your gym or fitness studio needs to be admitted to the hospital to receive intensive care for a work-related injury
Medication-Workers compensation provides the funds your gym or fitness studio’s employee can use to buy prescription medicines recommended by the attending physician
Rehabilitation-Your gym or personal training studio’s employee will need help to pay for rehab if he/she sustains an injury that causes the impairment of specific bodily functions. In this situation, you can use workers' compensation insurance to pay for therapist fees and expenses for rehabilitation equipment
Lost income compensation-Workers compensation insurance covers the income your gym or fitness studio’s employee would have earned if a work-related injury wasn’t sustained. Coverage for lost income is a weekly allowance equal to two-thirds or 67% of the average weekly wage. Your employee will receive this until the amount or duration stated in the terms of the policy is satisfied
Death benefits-If your fitness studio or gym’s employee dies from a work-related accident, workers' compensation will pay for his or her funeral. Dependents will also receive an allowance from workers' compensation insurance
Workers' compensation insurance only covers workers officially part of your payroll. The policy excludes contractors as they’re not employees but are independent entities only working in partnership with your fitness studio or gym.
So how much money can you get from workers' compensation insurance? There’s no set policy limit for workers' compensation insurance. The amount of insurance money the policy provides is based on the provisions of the worker's comp law or labor law of each state.
Getting worker's compensation insurance is a legal requirement as soon as one or more people are working for you.
Depending on where you are, you’ll need to get the coverage for yourself even if there are no employees. Another thing, it might even be required even if family members are the ones working in your gym or fitness studio.
You must know that workers' compensation insurance is an expensive policy. Premiums are based on the annual average payroll of your business. And so, you’ll pay more for workers comp as the number of your employees grows. But still, don’t let the price of the policy discourage you because the repercussions of not getting workers' compensation insurance is more problematic.
If you’re running a startup gym or fitness studio business, consider getting pay-as-you-go workers' compensation insurance. Pay as you go workers compensation insurance determines rates based on your business’s monthly average payroll. And so, premiums are cheaper and more accurate.
Also, workers' compensation insurance also protects your business against lawsuits. Employees can’t sue for negligence upon sustaining a work-related injury if your gym is in a state where businesses enjoy an exclusive remedy.
Gym injury insurance is what’s officially known as personal accident insurance. So to be clear, there’s no gym injury insurance policy being sold or underwritten by carriers. Personal accident insurance kicks in, if you as an attendee of the gym, experiences an accident and sustain injuries.
Another misnomer is fitness apparel insurance policy. There’s no insurance company that underwrites specialized coverage for fitness apparels. If you want to insure your fitness attire or garments, then you do that by buying a homeowner’s insurance with personal articles coverage.
Buy commercial auto insurance if your fitness studio or gym owns a vehicle used to get supplies or fetch employees. There are a lot of perils associated with owning a commercial vehicle. It might cause an accident, get damaged, get passengers injured, etc. Insurance companies underwrite commercial auto insurance to cover such exposures.
You can avail different coverages from commercial auto insurance. Namely, these are:
Auto liability coverage-Consider a situation where you ask an employee to get pieces of equipment bought from a gym in another city. Your employee caused an accident while driving and third parties sustained injuries and property damage. In this situation, auto liability coverage will cover the medical expenses of injured third parties and provide refunds to those who had their property damaged. Also, legal expenses will be taken care of particularly attorney fees, settlements, administrative costs, etc.
Physical damage coverage-Commercial auto insurance has physical damage coverage, which covers expenses if your fitness studio or gym’s commercial vehicle got damaged. This is sold as a collision or comprehensive policy. Collision physical damage coverage will cover repair or replacement expenses if your commercial vehicle got damaged after colliding with a car or an object. Comprehensive physical damage coverage, on the other hand, will pay for repair or replacement expenses if the commercial vehicle is damaged by theft, windstorm, hail, snow, vandalism, and other covered perils
Rental reimbursement coverage-Rental reimbursement coverage will refund rental costs you shouldered because your fitness studio or gym’s commercial vehicle is being repaired. Note that some insurance companies will require you to rent from a specific vehicle rental for coverage to apply
Medical payments coverage-Commercial auto insurance will offer medical payments coverage if your gym or fitness studio is in a fault state. Medical payments coverage will cover expenses if the driver of the commercial vehicle sustained injuries after getting involved in an accident
Personal injury protection-Personal injury protection is included in commercial auto insurance if your fitness studio or gym is in a no-fault state. It covers medical expenses, hospitalization, rehabilitation, and lost income compensation if your commercial vehicle’s driver sustained injuries after causing an accident or getting involved in an accident
Uninsured/underinsured motorist coverage-Uninsured/underinsured motorist coverage kicks in if your commercial vehicle got involved in an accident caused by a driver who isn’t insured or doesn’t have enough insurance. In practice, this will give you the money the driver at fault would’ve provided
Hired/non-owned auto liability coverage-Hired/non-owned auto liability coverage is an inclusion in commercial property insurance which covers costs if the vehicle that you hired or borrowed caused an accident, resulting in third-party personal injuries or property damage
There are some important points you need to know about commercial auto insurance. The first one is that auto liability coverage won’t work if your commercial vehicle caused an accident because the driver is DUI, it’s running on the road without headlights, it’s in pursuit of police officers, etc. The point is, any accident resulting from criminal activity is excluded in the terms of policy.
Secondly, physical damage coverage in commercial auto insurance also has exclusions. You can’t use it to cover repair or replacement costs if your fitness studio or gym’s commercial vehicle sustained damage because of a roll-over. Moreover, the repair or replacement of aftermarket parts is excluded from the policy. Another thing you need to know is that some insurance companies only provide coverage if you get repair or replacement services from a designated car repair center.
Does your gym or fitness studio provide online fitness classes through a website, which collects the data and payment of students? If so, think about the resulting costs if your website is breached due to simple employee error or cyber-attacks. To protect yourself from losses, consider getting cyber liability insurance for online fitness classes.
Cyber liability insurance covers expenses if third parties sue your fitness studio or gym after personal information got exposed due to employee negligence or cyber attack. Particular costs covered by this online fitness insurance are:
Public relations
Legal fees
Compensation for economic or financial losses
The majority of carriers sell cyber liability insurance having a $1 million-$2 million limit. But since lawsuits arising from the leakage of personal information is expensive, carriers allow customers to get $3 million-$10 million coverage from the policy, given that specific requirements are met.
Abuse and molestation insurance covers costs if a claim is filed because you or an employee sexually harassed a client. Just like general liability and professional liability insurance, this covers attorney fees, settlements, administrative costs, and other legal expenses. Note that abuse and molestation insurance doesn’t cover sexual harassment lawsuits filed by employees.
Employment practices liability insurance covers attorney fees, administrative costs, and other legal expenses if an employee sues your gym or fitness studio for sexual harassment. Not only this, but coverage applies to claims filed due to wrongful termination, discrimination, missed wages, exploitation, and other acts considered as a violation of employee rights.
No carrier sells a specialized home gym insurance plan. If you have a personal gym where other people can work out, then you can purchase general liability insurance to protect yourself from claims. You can also purchase a stand-alone professional liability policy as a home gym business insurance. On the other hand, if you use your home gym for personal purposes and want to insure its equipment, then do so through a homeowner’s insurance policy.
A homeowner’s policy can function as a personal gym insurance because it has contents coverage. Through contents coverage, you can insure gym equipment that becomes lost or damaged due to floods, theft, impact damage, and other covered perils while on the premises of your home.
A few insurance companies underwrite short-term gym insurance, which is available as a gym and fitness insurance by the hour, day, or month. Purchasing gym insurance for a day, hour, or month is the best option if your fitness studio or gym’s operations are slow. That said, let’s discuss the features of gym insurance for one day, hour, or month.
Hourly gym insurance plan consists of general liability and professional liability insurance. But it’s also possible for fitness and gym insurance hourly basis to only offer general liability and nothing else. The policies offered in gym and fitness insurance hourly basis have a $500,000-$2 million limit. Also, the duration of gym liability insurance by the hour starts at 1 hour and can be extended up to 12 hours or 24 hours. Note that most insurance companies underwriting gym and fitness liability insurance by the hour don't allow you to enjoy the protection provided by optional policies such as advertising injury and rented premises liability coverage.
Fitness studio and gym insurance by the day is a specialized insurance plan that lasts for one day up to one or two weeks. Fitness liability insurance daily basis is sold by brokers and carriers that sell short-term insurance for all types of businesses.
Policies offered in gym insurance daily basis are general liability and professional liability insurance. Other business insurance products are available depending on the carrier underwriting the one day gym insurance. In the absence of a general liability policy, daily gym insurance can offer a public liability policy instead.
So how much coverage can you get from 24 hour fitness insurance? The general liability policy included in it has a $1 million-$2 million policy limit. The same is also true for the professional liability policy. Note that one day fitness insurance provides a COI the moment you get insured.
There are insurance companies that allow you to upgrade your fitness insurance for a day into a monthly plan, which is very helpful considering that you don’t need to undergo an application once again. Moreover, going for one day gym liability insurance helps you avoid purchasing too much insurance for your fitness studio or gym.
As we said earlier, gym and fitness insurance by the day can offer other business insurance products aside from professional liability and general liability. These other business insurance policies, which might be offered in gym and fitness insurance for one day, are personal accident insurance, abuse and molestation insurance, or gym equipment insurance.
Fitness studio and gym insurance by the month is a specialized fitness studio and gym insurance that, as the name implies, only lasts for one month. Inclusions in monthly gym insurance are general liability and professional liability insurance. The amount of coverage of both policies offered by gym and fitness insurance by the month is $1 million-$2 million.
Some insurance companies allow you to pause your fitness studio and gym insurance monthly basis at no additional cost. Also, there’s no limit on how many times you can pause your gym and fitness insurance monthly basis.
So how much does insurance cost for a gym? Gym insurance cost depend on a lot of factors. And so, there’s no fixed answer as to how much is gym insurance. The easiest way to estimate how much does it cost to insure a gym is to look at what policies you choose to include.
Going with this logic, gym liability insurance cost $39 per month or $468 per year for a $1 million coverage. Note that this estimate of gym insurance cost assumes that a gym has a good business profile. For those with poor backgrounds, how much is liability insurance for a gym then? Gym insurance costs $125 per month or $1,500 per year.
In connection, here’s a table showing the gym insurance cost estimate of the best companies for fitness studios, gyms, and other related businesses. To be clear, the numbers below are the average cost of liability insurance for a gym, fitness studio, and other related businesses underwritten by the featured companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $18.71 | $224.52 | Fitness studios and certified fitness instructors |
| CoverWallet | $27.60 | $331.20 | Custom gym and fitness studio insurance and online quotes comparison |
| Tivly | $30.89 | $370.68 | Gym and fitness studio insurance quotes comparison over the phone |
| Thimble | $33.47 | $401.64 | Crossfit gyms and boxing gyms |
| Hiscox | $35.16 | $421.92 | Fitness instructors working locally and abroad |
| Markel | $38 | $456 | Health clubs and martial art gyms |
| KarateInsurance | $39.58 | $474.96 | MMA gyms |
| Sports & Fitness Insurance Corporation | $46.12 | $553.44 | Tailored coverage for fitness facilities and instructors |
We recommend you compare any fitness studio and gym insurance quote. By comparing fitness studio and gym insurance quotes, you’ll get to see which carrier provides the best gym insurance at the most reasonable price. Start comparing cheap gym insurance quotes by clicking the “Get Quotes” button on this page.
So what factors affect gym and fitness studio insurance cost? As said earlier, there are many. Let’s quickly take a look at each:
Location
Location is a prime determinant of gym insurance average cost. The easiest way to explain it is that you pay more or less than other customers depending on where your fitness studio or gym is located. This is why most agents will ask where you live before giving a quick estimate of the possible gym insurance prices.
24 Hour Operation
How much does gym insurance cost is also determined by how many hours your business is open. Gym and fitness insurance cost become more expensive if your fitness studio or gym is open for 24 hours. The idea is that there are more exposures when a gym or fitness studio is open for long periods of time. So if you want to save on the cost of gym insurance, consider staying open for 8-10 hours if business operations aren't very lively yet.
Claims History
Of course, gym, fitness studio, and health club insurance cost is determined by claims history. In fact, this is also a prime determinant of how much is insurance for a gym and other fitness facilities. It’s only reasonable for fitness studio and personal training insurance cost to be expensive if you’ve made a claim on an insurance policy in the past three or five years.
Boxing gyms with excellent claims history spend $33.45 per month or $401.4 per year for a $1 million general liability insurance. Boxing gym insurance cost $100 per month or $1,200 per year for customers with poor claims history.
Crossfit gyms that have a business experience of 5-7 years pay a crossfit insurance cost of $31.25 per month or $375 per year for a $1 million general liability insurance policy. Those with 0-3 years experience pay a crossfit gym insurance cost of $65 per month or $780 per year.
Say if you’re planning to start a commercial crossfit gym, see to it that you meet the following crossfit insurance requirements.
General liability insurance-$1 million per occurrence and $3 million aggregate limit
Abuse and molestation- $100,000 per occurrence and $100,000 aggregate
Professional liability insurance-$1 million per occurrence and $2 million aggregate
The cost of daily gym liability insurance is more expensive than annual gym insurance plans. Expect your gym liability insurance daily basis to cost $89. This figure is just on the low spectrum. If you have a poor business profile then expect your gym liability insurance for a day to be $100-$115.
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Here are the best gym and fitness studio insurance companies. Read some of the reviews below to know the pros and cons of these gym, fitness studio, and health club insurance companies. Notice that we also provided their general liability insurance for a gym average cost.
Cheap commercial property and workers' compensation insurance for fitness studios
Live certificate of insurance for fitness studios and instructors
Competitive general liability insurance rates for certified fitness instructors
Comprehensive commercial property insurance for fitness studios
Excellent customer reputation
Best overall
Fastest GL policy online
Fitness instructors without certifications can be insured but premiums will be more expensive
Doesn’t sell 24 hour fitness instructor insurance
NEXT provides coverage for fitness studios and instructors.
The typical policies fitness pros get from NEXT are general liability, professional liability, workers' compensation, and commercial property insurance.
Next’s general liability insurance for fitness studios has a $500,000-$2 million per occurrence limit. On the other hand, its aggregate limit is $1.5 million-$4 million. As for your fitness studio’s professional liability insurance, it offers a $500,000-$2 million per occurrence limit with a $1.5 million-$4 million aggregate limit.
Your workers' compensation insurance from this company has a $100,000-$1 million coverage for employee injuries.
Commercial property insurance is very comprehensive as it covers business interruption, debris removal, government mandates, and equipment breakdown.
The minimum coverage for your fitness studio’s building is $120,000. NEXT’s commercial property insurance provides $15,000 minimum coverage for your fitness studio’s contents. Note that you can decide to get up to more than $1 million for building and contents coverage.
NEXT sells general liability and professional liability insurance for fitness instructors. Both have a per occurrence limit of $2 million and an aggregate limit of $4 million.
In case you're an instructor that operates your own studio, you can add commercial property insurance. Moreover, workers compensation is available if you have assistants.
Best for: Best overall
Average cost: $18.71 per month (from $11/month)
Our rating: 10/10
You can add terrorism coverage to your gym and fitness studio insurance
Get covered online
Online certificates of insurance
Add landlords or clients as additional insureds
Can help you find carriers selling gym liability insurance by the day, hour, or month
Policy cancellation takes 30 days
Doesn’t sell gym liability insurance for one day or any other short-term durations
CoverWallet’s gym and fitness studio insurance is available in four options - a general liability-only plan, general liability with commercial property insurance, a BOP, and a custom plan. We suggest you go for the custom plan so that you can purchase other policies sold by CoverWallet such as commercial auto insurance, employer’s liability insurance, abuse and molestation insurance, and more.
Also, note that CoverWallet has an online quotes comparison platform. Use this to compare gym insurance and fitness studio insurance, so that you have an informed buying decision. You can also use the same platform to find companies selling fitness liability insurance for a day. Another thing you need to know is that this company allows you to customize your fitness insurance.
Best for: Custom gym and fitness studio insurance and online quotes comparison
Average cost: $27.60 per month
Our rating: 10/10
Call and get quoted over the phone
Sells a wide variety of insurance policies for gyms and fitness studios
Coverage that’s highly tailored to your business’s unique traits
You can’t get a quote without calling
Tivly (formerly CommercialInsurance.NET) sells its gym and fitness studio insurance plans as well as those of partners. Go for this company if you’re looking for variety. Also, similar to CoverWallet, this company sells customized gym insurance.
Also, when getting insured, Tivly assigns a representative that will help choose the most useful policies based on your fitness studio or gym’s business profile. Policies you can avail from this company’s fitness studio and gym insurance are general liability, workers compensation, commercial auto, and more.
We must also mention that Tivly can hook you up with its partners who might be selling one day fitness liability insurance. The company can only refer you because it doesn’t underwrite its own fitness liability insurance for one day.
Call Tivly now and get your fitness and gym insurance quote over the phone.
Best for: Gym and fitness studio insurance quotes comparison over the phone
Average cost: $30.89 per month
Our rating: 10/10
Insures fitness facilities with special services
Insures fitness facilities and instructors
Generous liability policy limits
Doesn’t sell 24 hour fitness liability insurance for gyms and fitness studios.
Sports and Fitness Insurance Corporation has been insuring instructors and fitness facilities for 30 years. Its liability insurance aggregate limits for gyms, fitness studios, and crossfit gyms are $500,000, $1 million, $2 million, and $4 million. Aside from those that offer ordinary services, this insurance company insures fitness facilities having saunas, tanning booths, and steam rooms. Note that this company doesn’t sell hourly, daily, or monthly fitness liability insurance for fitness facilities.
Best for: Tailored coverage for fitness facilities and instructors
Average cost: $46.12 per month
Our rating: 10/10
Covers boxing gyms and crossfit gyms
No deductibles on its general liability insurance policy
Comprehensive BOP
Sells crossfit box insurance in the form of an equipment breakdown policy
Sells a boxing and CrossFit gym liability insurance monthly basis you can pause or cancel anytime
You can’t reach customer service by calling. All insurance concerns have to be addressed via the Thimble app
Doesn’t sell a specialized crossfit trainer insurance policy
Thimble’s 24 hour general liability insurance can’t have optional coverages
Thimble sells specialty boxing gym insurance and crossfit gym insurance as a business owner’s policy that bundles commercial property insurance and general liability insurance. Additional coverages are also included such as business interruption insurance, non-owned/hired auto liability insurance, and equipment breakdown insurance for crossfit gym and boxing gym. You can opt to pay monthly or yearly. Your general liability insurance from this company has zero deductibles and provides $1 million-$2 million coverage.
Note that you can get a 24 hour gym insurance from Thimble in the form of a stand-alone general liability insurance policy. Also, this company’s 24 hour gym liability insurance can be upgraded to a fitness liability insurance monthly basis you can pause or cancel anytime.
Aside from boxing gyms and crossfit gyms, Thimble also covers fitness instructors. This company has an annual plan and a 24 hour fitness instructor insurance plan. Thimble’s 24 hour personal trainer insurance is a general liability policy offering $1 million-$2 million coverage.
Finally, if you’re looking for crossfit insurance companies that provide instant coverage, Thimble is a good option because your policy takes effect the moment it is purchased. Also, there’s no need for evaluations or audits for your application to be approved.
Thimble’s boxing and crossfit gym insurance cost $33.47 per month or $401.64 per year.
Best for: Boxing gym and crossfit insurance
Average cost: $33.47 per month
Our rating: 9/10
Cheap commercial property and workers' compensation insurance
Live certificate of insurance
Competitive general liability insurance for certified fitness instructors
Doesn’t sell general liability insurance to fitness instructors who don’t have a certification
Doesn’t sell 24 hour fitness instructor insurance
NEXT provides coverage for fitness studios and instructors. Policies you can get from its fitness insurance plan are general liability, workers' compensation, and commercial property insurance. Note that this company sells a general liability policy, which is a customized fitness liability insurance having the language of professional liability insurance in its terms.
We recommend NEXT for independent fitness instructors because it offers a live certificate insurance that can be sent to fitness studios as an email, text message, or social media post. Also, its minimum general liability and commercial property insurance limit starts at $300,000 and $25,000 respectively.
NEXT personal training insurance cost $36.71 per month or $440.52 per year.
Best for: Fitness studios and certified fitness instructors
Average cost: $36.71 per month
Our rating: 8/10
Worldwide coverage
Liability insurance limits can be more than $2 million
Poor customer feedback
Doesn’t sell customized fitness insurance
Hiscox only covers fitness instructors. Policies available from its fitness instructor insurance plan are general liability, professional liability, and cyber liability insurance for gym and fitness studios. Though not very comprehensive in terms of the number of policies, try the fitness instructor insurance from this company because its liability policies can have more than a $2 million limit. Moreover, they offer worldwide coverage.
Best for: Fitness instructors working locally and abroad
Average cost: $35.16 per month
Our rating: 8/10
General liability insurance has $1 million-$3 million limit
Professional liability insurance per occurrence limit is $2 million and the aggregate limit is $4 million
Doesn’t include workers compensation insurance on its health clubs insurance
No BOP for health clubs
Doesn’t sell gym liability insurance hourly basis
Markel sells a specialized health club insurance plan for spin studios, pilates studios, fitness studios, gyms, and yoga studios. Boutique clubs, franchised fitness centers, and 24/7 gyms are also covered. Policies offered by Markel’s insurance for health clubs are general liability, professional liability, commercial property, employer’s liability, and excess liability insurance.
Markel also sells specialized martial arts gym insurance for 19 types of martial arts dojos. Policies offered are general liability insurance, commercial property insurance, abuse and molestation insurance, and accident insurance.
Best for: Health clubs and martial art gyms
Average cost: $38 per month
Our rating: 7/10
General liability insurance has $1 million-$3 million limit
Business insurance for MMA gyms also acts as an events policy
Doesn’t include commercial auto insurance in its specialized insurance for MMA gyms
KarateInsurance underwrites a specialty insurance for MMA gyms offering policies with limits that conform with the requirements of sporting events. This company’s MMA gym insurance offers general liability, fighter accident coverage, and participant accident insurance coverage. Note that the coverages in your MMA gym insurance already act as event insurance policies that also apply when your gym participates and hosts practice or official MMA matches.
Best for: MMA gyms
Average cost: $39.58 per month
Our rating: 7/10
1 / 5
Use anyone except Employers. Period. They are non-transparent and shameful. After I complained long enough to warrant a call from a supervisor, the supervisor called back from a PRIVATE NUMBER (no caller ID), left a message that they are not reversing their decision (without any communication with me), and failed to leave a phone number for me to call back. She was hiding! They also fact find via email and phone calls, which is terrific for speed and communication. However, after setting a precedence of email or phone calls, they send time sensitive information via email, without any heads up... they are hoping you miss it and forfeit via expiration. Evil policies. Go elsewhere.
1 / 5
This place is an absolute joke of a company and should be ashamed of the way they conduct business. I was hurt on the job at the end of July and it took them just shy of 7 weeks to issue out a paycheck to me. Yes the amount was back dated but still. Not many have the luxury of not receiving a paycheck for almost 2 months. To top it all off, the original adjuster marked me down for the wrong state which caused a problem from the get go, I've had 3 different adjusters now since each one can't seem to figure out the simplicity of my claim. All my paperwork which includes, my job, house, and drs visits all are from the same state and city but yet some how I have been filed under a completely different state 1500 miles away. They do not answer your phone calls or emails no matter how many you leave. I've had to escalate my frustrations to the supervisors of each of these individuals in order to even get some kind of response. I've had more communication and information given to me about my claim from the customer service representatives then the actual adjusters.......... please tell me how that works?! A serious overhaul needs to happen here in order to serve your clients the way they deserve to be taken care of. 10/10 do not recommend this company to a single soul on earth
1 / 5
I have never had the displeasure of working with a more incompetent and disrespectful person in my life. I’m an injured worker and the adjuster that was assigned to my case was named Carrie Furgeson. In the past 6 weeks that I’ve been injured and out of work I have only been able to get ahold of her twice, not for lack of trying. I have left countless voicemails, countless emails, and she ignores them all. When I am finally able to get ahold of her I’m greeted with terrible customer service. She is rude, she talks over me and I’m hardly able to get a word in edgewise. She spelled my name wrong on my documents even after I spelled it for her properly countless times, this caused a whole new issue with my bank. I have bill collectors from the hospital calling me demanding payment and Carrie Furgeson won’t do a single thing to help, or to get them paid. All of my documentation is in Colorado, my job is in Colorado, my address is in Colorado, all my Dr offices and appointments have been in Colorado and Carrie still managed to hold my claim because she wasn’t sure what state she needed to file it under. It’s been 6 weeks since my Injury and my company still hasn’t received the wage paperwork to fill out so they can get me my correct wages. When she’s not ignoring me she’s answering my questions with “I don’t know” well I don’t know how she got this job, because apparently she doesn’t know anything about it. She is a disgusting morose individual inside and out and I genuinely wish her the worst in all of her future endeavors. I highly recommend you don’t use this company. Please if you are a business owner and your looking into this company please don’t use them. I’m sure they have the cheapest payment and that’s why companies use them in the first place, but you will be doing your employees a grave disservice by forcing them to venture into this absolute dumpster fire of a company. I would rate 0/5 if possible but 1 was the lowest I was allowed.
5 / 5
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
5 / 5
As long as they cover your line of business, you're literally covered! best rates, best coverage, best online experience, best professionals, can't be happier that I chose them!
Not all those who wander are lost.
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