Sports and Fitness Business Insurance

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Top fitness professionals we insure

Insureon has helped small businesses secure over 1 million policies.

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We insure most businesses.

Recommended insurance policies for sports and fitness professionals

From a fire at your gym to an injury during a Zumba session, your fitness studio can survive losses and lawsuits with the right coverage. These policies cover a fitness professional's main risks.

General liability insurance icon

General liability insurance

This policy covers the most common sports and fitness risks, including customer injuries. Bundle it with property insurance for savings in a business owner’s policy.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel and slander lawsuits
Business owner’s policy icon

Business owner’s policy

A business owner's policy, or BOP, is a cost-effective way for sports and fitness professionals to purchase commercial property insurance and general liability insurance together.

  • Customer injuries
  • Damaged business property
  • Business interruption incidents
Professional liability insurance icon

Professional liability insurance

This policy covers legal expenses if a business is sued for negligence, such as a client claiming your workout caused an injury. It's sometimes referred to as errors and omissions insurance (E&O).

  • Lawsuits alleging negligence
  • Failure to deliver promised results
  • Client injuries from a fitness session
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for sports and fitness businesses that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Lawsuits from employee injuries
Commercial auto insurance icon

Commercial auto insurance

Commercial auto insurance covers the cost of an accident involving a vehicle owned by your fitness business. Each state has its own requirements for auto liability insurance.

  • Property damage caused by your vehicle
  • Lawsuits from an auto accident
  • Vehicle theft and vandalism
Cyber liability insurance icon

Cyber liability insurance

Cyber liability insurance, also called data breach insurance, covers the cost of a data breach or cyberattack at your fitness business. It's strongly recommended for businesses that store customer information.

  • Customer notification costs
  • Fraud monitoring services
  • Cyber extortion payments
Looking for different coverage? See more policies.

Strengthen your business with insurance

View video transcript.

There's healthy...and then there's business healthy. Strengthen your small business with the right insurance protection. Small business insurance provides the support you need for heavy lifting. On the job, it always helps to know you have a strong base. And we've got your back with top-rated policies at affordable prices. No matter what big roles your small business has, this is probably the easiest box you can check. Start your application now. Get your policy same day, and smash those goals. Insureon. Protection is peace of mind.

How much does insurance cost for sports and fitness professionals?

Fitness professional in a tank top calculating insurance costs.

Several factors will have an impact on insurance costs, including:

  • Sports and fitness services offered, such as group fitness classes
  • Business equipment and property
  • Revenue
  • Location
  • Number of employees
View Costs
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