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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.
This article features commercial gym insurance .The policies offered in fitness studio and gym owner insurance plans, how much premiums cost, and what are the best companies.
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.
It Pays for attorney fees, administrative costs, and other associated expenses required to wrap up a personal injury claim or property damage claim
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.
Aside from accidents, clients can sue your gym or fitness studio if the services or advice provided by instructors have substantial errors. You need a related type of fitness gym insurance. For protection, carriers underwrite professional liability insurance for fitness classes. Use this insurance when:
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.
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.
Fitness and Gym 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.
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.
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:
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:
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.
workers’ compensation insurance Specifically, it will cover the following:
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.
Get all the best quotes from leading providers in a click of a button!
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.
A few insurance companies underwrite short-term gym insurance, which is available as a gym and fitness insurance by the hour, day, or month.
Hourly gym insurance plan consists of general liability and professional liability insurance. 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.
Gym Insurance Cost
So how much does insurance cost for a gym? Gym insurance cost depend on a lot of factors. However,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.
Factors that affect gym and fitness studio insurance cost?
Best Gym Insurance Companies
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.
Average cost: $36.71 per month
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.
CoverWallet has an online quotes comparison platform and allows you to customize your fitness insurance.
Average cost: $27.60 per month
Get all the best quotes from leading providers in a click of a button!
Tivly 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.
Policies you can avail from this company’s fitness studio and gym insurance are general liability, workers compensation, commercial auto, and more.
Average cost: $30.89 per month
Thimble
Thimble sells specialty boxing gym insurance and crossfit gym insurance as a business owner’s policy. You can opt to pay monthly or yearly.
Note that you can get a 24 hour gym insurance from Thimble in the form of a stand-alone general liability insurance policy. 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.
Average cost: $33.47 per month
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.
Average cost: $35.16 per month
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
9.4 / 10
Fastest ever online insurance quote and purchase! Also, great rates and professional customer reps that helps with whatever you need, if you need. Nice company!
2.8 / 10
Embroker sells a product that it doesn't honor. We purchased a combination D&O and EPLI policy. However, when it came to renewal, it told us that we only had D&O coverage even through our ACCORD certificate clearly mentions we have both. Basically they refused to honor the EPLI coverage and will leave you hanging with the bag. At time of renewal, they more than doubled our quote to get similar coverage. Basically BAIT & SWITCH. Unacceptable tactics. Easy to buy and pay but you may not be... Read More
2.8 / 10
Great platform. Terrible policy. There is no teeth behind it. No coverage. It's a fake policy that they sell. Sold us an EPLI policy that later we came to find out had no EPLI coverage. Amazing that they can get away with outright fraud. Check the positive reviews. They are all 'Anonymous' posted by Emroker staff. Stay away and find a real policy that will actually provide you coverage. We've been bitten by them and hope to find restitution via a lawsuit.
Paul Burns Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
It has been 70 days since I made a claim on the roof of my building. No one from the company will return calls. We are in hurricane season and located in Louisiana. My building is tarped to secure it.
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
They are the worst, my truck was hit in January 23 and the claim adjuster has not been out to this very day! They have every excuse in the book as to why. They have not been to the collision shop. PLEASE AVOID THESE SCAM ARTIST!
Felicia Broadus Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Avoid these SCAM ARTISTS! They don’t pay claims!!! Save yourself the trouble and money!
Kasey Arey Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
This company gives you a price that was in place for a year and when you have to use it there is fine print were they can go back and charge you more. Would not recommend them to any one. Crooks
John Murphy Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Worst insurance comapny I have ever dealt with. A commercial vehicle represented by GUARD t boned my wife and daughters family vehicle in the middle of the day. Driver was cited and insurance claim insued. Fast forward 4 months and refusal of full amount of claim is still happening. Driver was found guilty, repairs started on my vehicle and when it comes to the final bill and diminished value we cannot get any help. I am out a family car, have an injured and traumatized wife and children,... Read More
Harshadray Patel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Extremely bad service, when you call , will make you wait on the phone for ever (over an Hour) and still no one to answer , so you end up hanging up. To cancel the policy, bounce you from one department to the other. They are supposed to refund from the date other insurance started and after sending the proof of other insurance policy, still they did not refund based on that actual date instead they use the date i managed to get hold of them. They charged me $7000.00 for a year's insurance on... Read More
Aaron Wensel Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
Guard Insurance is terrible. They were so bad I cancelled them because them couldn't figure out why I would never get a paper copy of the bill . Verified my address with them and still intermittent billing. I cancelled them in March through my local broker. Today 6/27 I get a letter in the mail from a collections company saying I owe 87.97. This was the first myself or my broker heard of owing this money. Here is some advice for this failure of a company send me a god damn bill and I will pay.... Read More
Michael Swink Insuranker
Policy Type: Business Insurance
Company name: Berkshire Hathaway GUARD Insurance Companies
0 / 10
My employer had to have workers compensation by law. He obtained a policy through this Berkshire Hathaway GUARD and they failed me. I fell from a ladder and fractured my spine in 7 different places, my clavicle in 4 places, and the base of my skull. Going to my Dr visits I was prescribed medication for pain and the insurance company placed a pre-authorization hold on me picking up the medication from Walgreens. The hold lasted 5 days! My weekly benefits have never been on time, right now... Read More
10 / 10
Liberty Mutual is one of the more simple companies to deal with. I had to file a claim for my business owner policy after I caught one of my employees stealing a large amount of products from my business. Liberty mutual paid the claim fast and with no efforts. I wish the legal process was as easy…
10 / 10
For me this company has proven to be the best to do business with and worth my hard earned money. Contractors this is your company look no further.
7.7 / 10
Decent experience with Hiscox business insurance
9.4 / 10
Very pleased with Hiscox - their small business insurance rates are very good and they specialize in small business which gives me a peace of mind as a small business owner. So far so good!
10 / 10
Their customer service is absolutely fantastic. Very patient, knowledgable and provided excellent explanation of the purchased policy. I would highly recommend this insurance company to anyone that's looking to protect their business from unexpected expense. Thank you Hiscox for doing a great job for my business!
0.6 / 10
STAY AWAY! I wouldn't recommend hiscox small business liability insurance to anyone. Better not waste both your money and your time. Hiscox customer service is extremely unpleasant, not organized and not professional. It is the worst company we have dealt with in almost 25 years in business!
10 / 10
Good company. Good and knowledgable customer service. If they don't know something they will pass you on to a more experienced rep that is more knowledgable. So far so good.
10 / 10
Extremely fast and simple. Wasted a lot of time and money until I found these guys! I feel like my business is in good hands now.
10 / 10
Hiscox's the best! My business is insured with them for over 12 years and am not planning to switch!
10 / 10
Excellent experience with Hiscox BOP for my coffee shop. They provided all it needed.
10 / 10
My HI barbershop is well covered with their great BOP product for 5 years already! not planning to switch!
10 / 10
Best insurance ever
10 / 10
Coolest concept, I wish this was applied to other insurance products too.
10 / 10
Great experience
6 / 10
Didn't relate to the concept much, but it makes sense if you need insurance to go
0 / 10
It doesn't really feel sustainable to me and doesn't offer business interruption, product liability and commercial property insurance. They have no local agents and despite their technology first approach you cannot file claims online. Additionally, product manufacturers are not covered by Thimble and they don't provide enterprise solutions.
10 / 10
As a contractor that works 3 times a week for a few hours, Thimble gets really handy for me and saves me money. I have no use for these massive business insurance coverages offered by traditional insurance companies.
10 / 10
Excellent concept which is useful to many small businesses!
10 / 10
Been waiting for this type of solution for a long time!
10 / 10
Love their business insurance solutions for freelancers! Great app!
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Disclosure: Insuranks.com is an independent educational comparison service and an advertising-supported publisher. Some of the companies/offers that appear on the website are from our partners which we may receive compensation from. This may influence which companies/offers we write about and where and how it appears on the site. However, this does not impact our assessments. We solely highlight companies, products, and offers that can help you make smarter insurance decisions.
