Gymnastics Insurance: Cost & Quotes

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Updated: March 26, 2025 . 7 min read

Written by Ofir Sahar

CEO & Founder

Ofir Sahar

CEO & Founder

Some of the products on this page come from partners who may compensate us when you click on their links or take specific actions. This helps us keep our content free. That said, our opinions are our own and based on independent analysis.

 

Gymnastics promotes flexibility, and those involved in it are exceptional in the dance studio. However, gymnastics is physically demanding and requires sports coaches and facilities to ensure the safety and well-being of participants. 

However, accidents and incidents can still occur, leading to potential financial liabilities.  That’s where gymnastics insurance comes in. We will explore different types of gymnastics insurance policies, their coverage limits, and more. 

General Liability Insurance for Gymnastics

General liability insurance is essential for gymnastics facilities to protect against potential risks and liabilities. Gymnastics involves physical activity, which can lead to injuries or accidents.

 This gymnastics Liability Insurance provides coverage for bodily injury and property damage claims that may arise from the operations of a gymnastics facility.

 The coverage limit for general liability insurance typically ranges from $1 million to $2 million.

CoverWallet  NEXT (Best) Thimble  Hiscox The Hartford
Per occurrence limit  $1,000,000 $500,000/$1,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $1,000,000
Aggregate limit  $2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000 $300,000/$2,000,000 $2,000,000
Products and completed operations aggregate limit  $2,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Advertising injury coverage aggregate limit  $1,000,000 $1,000,000 $1,000,000 $1,000,000 $1,000,000
Tenant’s legal liability coverage limit  $100,000 $100,000 $5,000 $100,000 $100,000
Waiver of subrogation included? Yes No Included Can be included No
Hired/non-owned auto liability coverage included? Yes No Excluded Can be included No
Equipment breakdown floater included? No  Yes Yes Can be included Yes
Can you get a certificate of insurance online? Yes Yes Yes Yes Yes
Name additional insureds? Yes Yes Yes Yes Yes
Deductible $0 $0 $0 $0 $0

 

 

Professional Liability Insurance for Gymnastics

Professional liability insurance is an inclusion in gymnastics club insurance that protects against lawsuits that result from alleged professional mistakes or negligence. This policy protects your livelihood and reputation. 

The coverage limit for professional liability insurance typically ranges from $500,000 to $2 million.

CoverWallet  NEXT  Thimble (Best) Hiscox The Hartford
Per occurrence limit  $1,000,000 $1,000,000 $1,000,000/$2,000,000 $1,000,000 $1,000,000
Aggregate limit  $2,000,000 $2,000,000 $1,000,000/$2,000,000 $2,000,000 $2,000,000
Name additional insureds? Yes Yes Yes Yes Yes
Waiver of subrogation included? Yes No Yes Yes No
License defense coverage included? No No No No Can be included

 

 

 

Business Owner’s Policy for Gymnastics 

BOP is an insurance policy for small and medium-sized businesses, including gymnastics clubs. It is a package policy that combines liability and property coverage. 

Gymnastics coaches who provide services at various locations or operate mobile gymnastics programs can contact their mobile gymnastics insurance provider for a BOP quote. 

The coverage limits for a BOP for gymnastics clubs may range from $10,000 to $1 million. 

CoverWallet NEXT (Best) Hiscox Thimble  The Hartford
General liability aggregate limit  $2,000,000 $500,000/$2,000,000 $300,000/$2,000,000 $1,000,000/$2,000,000 $1,000,000/$2,000,000
Commercial property coverage limit  $50,000 $25,000 $25,000 $25,000/$500,000 $75,000
Optional policies can be added? Yes Yes Yes Yes Yes
Name additional insureds for free? Yes Yes Yes Yes Yes
BOP discount? Yes Yes Yes Yes Yes

 

 

Add-Ons to Business Owner’s Policy for Gymnastics 

  • Employment practices liability insurance (EPLI) to protect against lawsuits related to employment practices
  • Cyber liability insurance to protect against data breaches, cyber-attacks, and other cyber-related losses

Compare Cheap Gymnastics Insurance Quotes Online

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Tools and Equipment Insurance for Gymnastics

NEXT (Best) Thimble Hiscox The Hartford
Aggregate limit $3,000/$10,000 $2,500/$5,000 $15,000/$25,000 $5,000-$10,000
Covers hired and borrowed equipment? $3,000/$10,000 $2,500/$5,000 No Yes
Miscellaneous equipment also covered? $5,000/$10,000 No Yes Yes
Offered as an endorsement to general liability insurance? Yes Yes Yes Yes
Deductible $500 $500 $0 $0

 

You rely on various equipment and tools to keep your business running smoothly. Whether it’s weights, cardio machines, or specialized equipment for training, these items can be expensive to repair or replace if lost, stolen, or damaged. 

That’s where tools and equipment policy of gymnastics facility and gymnastics coach insurance programs comes in.

Tools and equipment insurance policies can cover up to $250,000 or more, depending on the equipment’s value.

 

 Commercial Auto Insurance for Gymnastics

Commercial auto insurance covers the vehicles used to operate a gymnastics business. This type of insurance is essential for mobile gymnastics businesses that rely heavily on transportation. 

With commercial auto insurance, gymnastics businesses can protect their vehicles and employees against accidents, theft, and other damages. It is often included as part of a comprehensive mobile gymnastics insurance, which covers a variety of risks associated with operating a gymnastics business on the go.

Commercial auto insurance policies can range from $100,000 to $1 million per accident.

 

Workers Compensation Insurance for Gymnastics

Workers compensation insurance covers medical expenses, lost wages, and rehabilitation costs for employees who suffer work-related injuries or illnesses.

 It is a legally required insurance policy in most jurisdictions and serves as a safety net for employees and employers.

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Gymnastics  Insurance Cost

gymnastics insurance average cost ranges from $35 per month or $420 per year for a $1 million general liability policy. Here are the factors that can influence your actual gymnastics insurance cost:

Cost per Month Cost per Year Deductible
General liability insurance $35 $420 $0-$500
Professional liability insurance $39 $468 $500-$1,000
Commercial property insurance $56 $672 $1,000-$2,000
Business owner’s policy $83 $996 $1,500
Tools and equipment insurance $44 $528 $500-$1,000
Commercial auto insurance $60 $720 $500-$1,000
Workers compensation insurance $104 $1,248 $2,500-$5,000

 

 

Best Gymnastics Insurance Companies

 

NEXT 

They stand out as a reliable option. They aim to offer more affordable small business insurance online specifically tailored to the needs of each business.

 One of the key advantages of Next Insurance is its ability to customize policies for different industries, ensuring that gymnastics coaches and facilities receive appropriate coverage.

Average cost: $15 per month

Our rating: 10/10

Pros

  • Best overall
  • Issues an online proof of insurance instantly
  • Fastest general liability insurance for gymnastics
  • Great customer service and reputation
  • Excellent rates
  • Outstanding value for money
  • Get a 10% discount if you buy two or more policies

Cons

  • Couldn’t find any

 

CoverWallet

They offers the best, easiest, and most inexpensive solution for businesses to buy and manage their business insurance plans in one location. 

Small businesses and startups can get customized business insurance quotes from CoverWallet for a wide range of coverage options that span a wide and continuously expanding range of industries.

Average cost: $18 per month

Our rating: 10/10

Pros

  • Tailored coverage for gymnastics coaches and facilities
  • Competitive rates for affordable insurance
  • Quick and efficient insurance process
  • Excellent customer service and reputation

Cons

  • Not an insurance company but an insurance broker

 

Compare Cheap Gymnastics Insurance Quotes Online

Get all the best quotes from leading providers in a click of a button!

The Hartford

The Hartford is a notable and well-established option for your gymnastics insurance coverage. They offer a diverse range of products, including commercial insurance designed to meet the needs of businesses across various industries. 

This makes Hartford a viable and reliable choice for gymnastics coaches and facilities seeking comprehensive insurance coverage tailored to their requirements.

Average cost: $22 per month

Our rating: 10/10

Pros

  • User-friendly digital platform for easy insurance management
  • Wide range of coverage options tailored to different industries
  • Quick and hassle-free application process
  • Dedicated customer support for assistance

Cons

  • Limited add-ons to general liability insurance

 

Tivly 

Coaches in need of gymnastics insurance coverage can consider Tivly as a promising choice. Tivly has focused on serving small businesses, including gymnastics facilities, with tailored insurance policies.

 Tivly offers coaches the flexibility to customize their coverage to align with their specific needs and requirements.

Average cost: $26 per month

Our rating: 9/10

Pros

  • Strong financial stability and established reputation
  • Extensive coverage options
  • Specialized risk management resources and support
  • Flexible policies that can be customized to specific requirements

Cons

  • You need to talk to a representative to get quotes

 

Thimble

Despite its recent establishment in 2016, Thimble has swiftly built a strong reputation by specializing in short-term, on-demand, and instant insurance solutions tailored to the needs of small businesses. 

Their emphasis on customer satisfaction is evident through positive ratings and reviews

Average cost: $29 per month 

Our rating: 8/10

Pros

  • On-demand coverage options for flexible insurance needs
  • They have easy and quick policy issuance through their mobile app
  • Transparent pricing with pay-as-you-go options
  • Coverage for short-term or project-based activities

Cons

  • You can’t reach customer service by calling

]

Hiscox 

Hiscox offers businesses market-leading products and services that defy conventional norms in each niche they operate in. This makes Hiscox a reliable choice for gymnastics coaches and facilities seeking insurance coverage tailored to their needs.

Average cost: $30 per month

Our rating: 8/10

Pros

  • Extensive experience and expertise in serving small businesses
  • Tailored coverage options for various industries
  • Strong financial stability and reliable claims handling
  • Access to risk management resources and tools

Cons

  • Doesn’t offer coverage in Alaska

 

 

About the author

Ofir Sahar

Ofir is the founder and CEO of Insuranks. He established Insuranks in 2019 from scratch and has been running educational insurance websites since 2009 on a mission to help businesses...See full bio.

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