The private gym you own at home where students visit for personal training sessions can be insured. After all, insurance isn’t only for businesses that operate outside but also for those that can thrive within a condo, house, garage, or any other personal property of the owner.
Your home gym, similar to the usual gym, faces a lot of risks. For one, a student might sustain injuries due to the wrongful use of pec fly machines, leg press machines, leg extension machines, and other fitness equipment. Your business can be also held liable for the negligence and inexperience of hired independent fitness coaches. And if your home gym caters to online personal training sessions, then it’s likely for a cyberattack to happen.
Home gym business insurance grants comprehensive protection against such unfortunate accidents. This is designed for different home gyms fitness activities, such as barre or crossfit. Read this guide to know what policies are included, the cost of premiums, and which companies to work with.
General liability and professional liability policies are the two types of home gym liability insurance. These two grant protection against specific claims that students and other third parties can file against you.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $500,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$1,000,000 |
| Aggregate limit | $2,000,000 | $500,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Products and completed operations aggregate limit | $2,000,000 | $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 |
| Tenant’s legal liability coverage limit | $100,000 | $100,000 | $5,000 | $100,000 |
| Waiver of subrogation included? | Yes | No | Included | Can be included |
| Hired/non-owned auto liability coverage included? | Yes | No | Excluded | Can be included |
| Equipment breakdown floater included? | No | Yes | Yes | Can be included |
Students can experience accidents while in your home gym. General liability insurance for home gym will have your back if they file a claim for bodily injuries or property damage. By having this, you can easily cover the cost for medical treatment, refund the student’s damaged property, pay for legal defense, and satisfy court judgments. Use the table above to see which insurance company offers the best general liability insurance.
The following are the common setbacks that may happen in your gym, which general liability insurance caters to:
A student slips and falls
A student accidentally let’s go of a dumbbell and injures another student
Defective gym equipment inflicts bodily injuries or property damage to a student
A student falls on his face while running on the treadmill
The answer depends on your relationship with the hired fitness coach. If he or she is hired as an independent contractor, then general liability insurance can help. On the other hand, if the fitness coach is hired as an employee who receives regular salary from you, then anything bad that happens falls out of the scope of general liability insurance.
| CoverWallet (Best) | NEXT | Thimble | Hiscox | |
|---|---|---|---|---|
| Per occurrence limit | $1,000,000 | $1,000,000 | $1,000,000/$2,000,000 | $1,000,000 |
| Aggregate limit | $2,000,000 | $2,000,000 | $1,000,000/$2,000,000 | $1,000,000 |
| Name additional insureds? | Yes | Yes | Yes | Yes |
| Waiver of subrogation included? | Yes | No | Yes | Can be included |
| Sexual misconduct coverage included? | No | No | No | No |
| Deductible | $500 | $500 | $500 | $50/$10,000 |
Purchase professional liability insurance to cover your home gym against claims for negligence, violation of good faith, violation of fair dealing, breach of contract, inaccurate advice, and other covered perils. With this insurance, you can reimburse the financial losses of the claimant, pay for legal defense, and meet court judgments. Use the table above to see which insurance company offers the best professional liability insurance.
Here are some situations where professional liability insurance can help your home gym:
The student files a claim after a training regimen didn’t bring unexpected results and aggravated an existing bodily condition instead
The student wants your home gym to take responsibility for the failure of the fitness coach to supervise and provide accurate advice
The student accuses your home gym of using misleading marketing materials to drive sales
Professional liability insurance doesn’t cover sexual harassment and molestation by default. For coverage to apply, you need to introduce a sexual harassment endorsement. With this added, professional liability insurance will cover settlements, defense costs, and court judgments if an instructor of your home gym made unwanted sexual advances to a student.
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| CoverWallet | NEXT | Thimble (Best) | Hiscox | |
|---|---|---|---|---|
| Building coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 | $25,000 |
| Contents coverage limit (minimum) | $50,000 | $25,000 | $25,000/$500,000 | $15,000 |
| Outdoor signs | Excluded | $2,500 | Excluded | Included |
| Accounts receivable | Excluded | Excluded | $5,000/$10,000 | Included |
| Money and securities | Excluded | $2,500 | $1,000 | Included |
| Lock and keys | Excluded | $2,500 | Excluded | Included |
| Business interruption floater | Excluded | Included | Included | Included |
| Equipment breakdown floater | Excluded | Included | Excluded | Included |
| Inland marine insurance floater | Excluded | Excluded | $10,000 | Excluded |
| Employee dishonesty floater | Excluded | $5,000 | $2,500 | Excluded |
You might think of commercial property insurance coverage for commercial offices, brick-and-mortar-stores, rented or leased spaces, and other locations where a business is traditionally operated.
Times have changed and a business can now operate in one’s own home. Because of this, you can now purchase a commercial property policy that’s designed to cover a house, condo, garage, or any other private space where your home gym is located. Use the table above to see which insurance company offers the best commercial property insurance.
Commercial property insurance helps by reimbursing financial losses if your home gym gets destroyed or damaged by fire, theft, vandalism, and other covered perils. Your dumbbells, leg presses, and other fitness equipment are also covered.
No. Commercial property insurance has a care, custody, and control exclusion. This means that you can’t use this policy to recover the value of the fitness equipment and personal devices of students that got damaged or lost while under your care.
| CoverWallet | NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|---|
| General liability aggregate limit | $2,000,000 | $500,000/$2,000,000 | $1,000,000/$2,000,000 | $300,000/$2,000,000 |
| Commercial property coverage limit | $50,000 | $100,000 | $25,000/$500,000 | $25,000 |
| Optional policies can be added? | Yes | Yes | Yes | Yes |
| Name additional insureds for free? | Yes | Yes | Yes | Yes |
| BOP discount? | Yes | Yes | Yes | Yes |
After spending money on retrofitting your garage or basement into a home gym, the last thing you need is to incur high costs on insurance. Taking out a business owner's policy (BOP) can help home gym owners and personal trainers save money.
A standard BOP combines general liability coverage and commercial property insurance into one package, usually offered at a lower cost than purchasing the two policies individually. Other BOP options may also include business interruption coverage–an insurance policy designed to compensate you for any lost revenue and other expenses you might incur if you're forced to close your home gym because of a covered event; For example, natural disaster, fire, theft, or vandalism.
| NEXT (Best) | Thimble | Hiscox | |
|---|---|---|---|
| Aggregate limit | $3,000/$10,000 | $2,500/$5,000 | $15,000/$25,000 |
| Covers hired and borrowed equipment? | $3,000/$10,000 | $2,500/$5,000 | No |
| Miscellaneous equipment also covered? | $5,000/$10,000 | No | Yes |
| Offered as an endorsement to general liability insurance? | Yes | Yes | Yes |
| Deductible | $500 | $500 | $0 |
You can use tools and equipment insurance to avoid using your personal money if gym equipment gets damaged or destroyed. If gym equipment needs to be replaced or repaired due to theft, vandalism, operator error, or mechanical breakdown, tools and equipment insurance will cover expenses up to the limits stated on its terms. Use the table above to see which insurance company offers the best tools and equipment insurance for home gyms.
No. Tools and equipment insurance doesn’t cover gym equipment with inherent product defects. Also, coverage doesn’t apply to damage or destruction caused by normal wear and tear.
The policies above are the most useful types of home gym insurance when running a home gym business. However, consider investing in these policies for additional protection:
Workers' compensation insurance–If you've employed other fitness instructors in your home gym business, you must also ensure your employees are covered in case of injuries and lost income they might suffer while providing fitness coaching services. If you have a workers' compensation scheme, your insurance company will cover the medical costs, lost wages, and other employee benefits.
Cyber liability insurance–Cyber Liability insurance can help if you own a website where clients can book training schedules in your home gym. When your site is breached, this insurance will cover the cost for containment, recovery of lost data, credit and fraud monitoring, as well as legal defense costs
Products and completed operations insurance-This caters to bodily injuries or property damage that students sustain after attending a fitness session held at your home gym. Products and completed operations insurance for home gym insurance is included as an add-on to general liability coverage.
| Cost per Month | Cost per Year | Deductible | |
|---|---|---|---|
| General liability insurance | $30 | $360 | $0-$500 |
| Professional liability insurance | $45 | $540 | $500-$1,000 |
| Commercial property insurance | $60 | $720 | $1,000-$2,000 |
| Business owner’s policy | $90 | $1,080 | $1,000-$2,000 |
| Cyber liability insurance | $40 | $480 | $1,000-$3,000 |
| Workers compensation insurance | $118 | $1,416 | $2,000-$5,000 |
| Tools and equipment insurance | Depends on the value of gym equipment to be insured | Depends on the value of gym equipment to be insured | $1,000 |
The average home gym insurance cost is $30 per month or $360 per year for a $1 million general liability policy. Note that the majority of insurance companies cover home gyms under their online personal trainer insurance or gym insurance programs. Factors that determine the cost of premiums are:
Your home's location
Your home gym equipment's value
Deductibles
Policy limits
Types of insurance purchased
Additionally, providers usually offer discounted rates on home gym insurance to customers who take steps to mitigate their risks or invest more in insurance. Some of these measures include:
Raising their deductible
Bundling policies
Updating their insurance policies regularly
Joining a professional association
Maintaining an excellent safety record
Attending safety and training courses
Here’s another table showing the cost of a $1 million general liability policy from the recommended insurance companies:
| Cost per Month | Cost per Year | Best for | |
|---|---|---|---|
| NEXT | $11 | $132 | Best overall; Fastest general liability insurance for home gyms |
| Insure Fitness Group | $14.90 | $178.80 | Home gym businesses looking for industry-specific, tailored coverage |
| CoverWallet | $15 | $180 | Comparing home gym insurance quotes over the phone |
| Tivly | $17 | $204 | Comparing insurance quotes for home gyms over the phone |
| Thimble | $20 | $240 | On demand coverage for home gyms |
| Hiscox | $22 | $264 | Insurance for home gyms with automatic renewal |
Different insurance companies provide different coverages, discounts, and exclusions. Therefore, it would be best to shop around and compare home gym insurance quotes to ensure you're getting the best coverage at the most affordable rates. Start by clicking the “Get Quotes” button on this page.
Get all the best quotes from leading providers in a click of a button!
There are wide-ranging providers you can choose for your home gym insurance coverage. If you're looking for the best home gym insurance companies, the carriers below might be it. Read some of the reviews below to know their pros, cons, and rate for a $1 million general liability policy.
Best overall
Issues an online proof of insurance instantly
Fastest general liability insurance for home gyms
Great customer service and reputation
Excellent rates
Outstanding value for money
Get a 10% discount if you buy two or more policies
Couldn’t find any
Established in 2016, NEXT is a digital-centric insurer that purely sells its home gym insurance policies online. The company provides specialized coverage, including general liability, workers' compensation, commercial property insurance, and professional liability. It offers these policies in three levels to fit the unique needs of your business.
With NEXT, you can easily access quotes, manage your policy, and even add additional insureds online, all at no extra charge. So, if you want a user-friendly and customizable insurance solution for your business, NEXT may be the right choice for you.
While the company is a relative newcomer in the industry, it vaunts an excellent rating from AM Best for financial stability. In addition, it handles and settles all claims independently, unlike other internet-based providers who rely on their parent companies.
Best for: Best overall; Fastest general liability insurance for home gyms
Average cost: $11 per month
Our rating: 10/10
Compare home gym insurance quotes online
General liability insurance for home gyms comes with a waiver of subrogation and equipment coverage
Cancel your policies anytime with no charges
Broad-form cyber liability insurance
Not an insurance company but an insurance broker
CoverWallet can cover your gym through its gym and fitness insurance packages. Note that the policies you’ll get won’t come from CoverWallet itself. Instead, they’ll come from partners such as Chubb, Liberty Mutual, or Hiscox.
To get covered, you need to use this company’s online platform to get quotes and compare. Once you find the best coverage, CoverWallet the finalization of the purchase online or through an agent. By the way, here’s a quick glimpse of the policies available:
$1 million-$2 million general liability insurance
$1 million professional liability insurance
$2 million cyber liability insurance
$50,000 commercial property insurance
Workers compensation insurance
Business owner’s policy
Best for: Comparing home gym insurance quotes over the phone
Average cost: $15 per month
Our rating: 10/10
Compare quotes over the phone
A partner of many reputable insurance companies
Responsive customer service
You need to call to get a quote
Tivly covers home gyms through its personal trainer insurance package. Policies offered are general liability, professional liability, workers compensation, and business owner’s policy. You need to call a representative to compare quotes over the phone and get an idea of the specific policy limits.
Best for: Comparing insurance quotes for home gyms over the phone
Average cost: $17 per month
Our rating: 10/10
General liability insurance is available as a short-term policy
Numerous endorsements can be added to general liability and business owner’s policy
On-demand coverage
Quick to issue an estimate of your rates
You can’t reach customer service by calling
You can purchase Thimble’s gym insurance package as a coverage for your home gym. This offers general liability insurance, business owner’s policy, and workers' compensation insurance. Your business owner’s policy and general liability policy from this company offers numerous endorsements, such as cyber liability, hired/non-owned auto liability coverage, and customer property coverage.
Best for: On-demand coverage for home gyms
Average cost: $20 per month
Our rating: 9/10
Automatic policy renewal
Waiver of subrogation can be added to general liability and professional liability insurance
Numerous upgrades to your coverage are available
Fast to process claims
Low limits on its business owner’s policy
Hiscox doesn’t have a home gym insurance package. However, you can still work with this company by going for its personal training insurance program. Policies offered are general liability, professional liability, cyber liability, and business owner’s policy. Similar to Thimble, Hiscox allows you to add numerous endorsements to your coverage. However, this company might be better because your policy automatically renews every year.
Best for: Insurance for home gyms with automatic renewal
Average cost: $22 per month
Our rating: 9/10
Group insurance plans typically cheaper than individual plans
More extensive coverage than single policies
It's easy to enroll in a group plan
Online quotes available
Non-members may not get insurance coverage
If you're a home gym business owner looking for an insurer with in-depth industry knowledge, networking opportunities, and additional risk management resources, look no further than Insure Fitness Group.
The company underwrites business insurance exclusively to fitness professionals, including home gym owners and personal trainers. The insurer's tailored gym insurance includes various policies, including general liability coverage, product liability, E&O insurance, stolen equipment, and rental damage insurance.
Like most insurance companies, Fitness Group enables customers to obtain quotes, purchase business policies, and manage their coverages online. Besides, members get exclusive discounts, valuable risk-management resources, and other industry-related perks.
Best for: Home gym businesses looking for industry-specific, tailored coverage
Average cost: $14.90 per month
Our rating: 8/10
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
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.
Their general liability insurance purchase process is simply the best online experience I've ever had in my life!
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!
It really can't get any better than this... wow
Not all those who wander are lost.
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