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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
A general liability 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.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel and slander lawsuits
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 a general liability insurance policy together.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption incidents
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).
BEST FOR
- Lawsuits alleging negligence
- Failure to deliver promised results
- Client injuries from a fitness session
Workers’ compensation insurance
Most states require workers' comp for sports and fitness businesses that have employees. It also protects sole proprietors from medical bills that health insurance might deny.
BEST FOR
- Employee medical expenses
- Disability benefits
- Lawsuits from employee bodily injuries
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.
BEST FOR
- Property damage caused by your vehicle
- Lawsuits from an auto accident
- Vehicle theft and vandalism
Cyber 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.
BEST FOR
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
Looking for different coverage? See more policies.
How much does insurance cost for sports and fitness professionals?
Several factors contribute to the cost of insurance coverage for personal trainers, fitness instructors, and gyms, including:
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.
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How do I get sports and fitness business insurance?
It's easy to get insurance for your fitness center or sports training business if you have your company information on hand. Our application will ask for basic facts about your small business, such as your revenue and the number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:
- Complete a free online application.
- Compare insurance quotes and choose a policy.
- Pay for your policy and download a certificate for proof of insurance.
Insureon's licensed insurance agents work with top-rated U.S. companies to find the right insurance plan for any sports and fitness business, whether it's providing coverage for yoga instructors who work independently, or gym owners that run their own facility.
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FAQs about fitness and sports insurance
Review answers to common questions about sports and fitness insurance.
How do I insure fitness equipment that travels with me?
A standard commercial property policy covers your building and its contents. If you bring exercise equipment or other items to gyms, events, or clients' homes, you'll want to consider inland marine insurance.
Inland marine insurance covers mobile equipment during its use and storage off-site, as well as during transit. You can usually add this coverage to your commercial property policy or business owner's policy (BOP) as an endorsement.
What are the most common exclusions for sports and fitness insurance?
Sports and fitness industry insurance is designed for the typical risks of the profession, however there are instances where your business might not be covered. Some common exclusions include:
- Athletic participant exclusion: If your health club holds competitions or other events, your general liability policy could exclude coverage for any injuries related to training or participation in the event.
- Communicable disease exclusion: If your clients contract a communicable disease after sharing equipment in your yoga studio or karate dojo, your insurance will not cover any legal costs. This exclusion is also found on business interruption insurance, which covers financial losses related to a temporary forced closure.
- Designated premises exclusion: If you take your clients on a run outside of your usual facility and someone trips and falls, your coverage won't apply since it didn't occur within your premises.
- Age restrictions: Some insurance companies only provide coverage for customers above a certain age. If you're training members below that threshold, your coverage won’t cover any claims for those underage.
These are just a few examples of exclusions your sports and fitness business could face. It's best to speak with a licensed insurance agent to make sure you're getting the right coverage for your business's unique risks.
Can I get insurance if I train at multiple gyms?
Yes, it's possible to get sports and fitness business insurance regardless of where you train.
In some cases, you may need to add a gym as an additional insured on your policy. You may also want to ask the gym you work at if they can add you to their policy as an additional insured.
Say you teach spin or gymnastics at multiple gyms, you'll need to make sure you're covered at each place you train.
Sharing customer photos on social media can be a great way to promote your business. People love to see that others have used your training program, fitness classes, or wellness facility and had a positive experience.
However, sharing photos of your customers also comes with unique risks. You must get permission to use the photos on your website or social accounts.
Selfies are popular, and can give your business some organic social media attention. However, unless an image has a Creative Commons copyright, which is rare, you could face legal action if you share something that was taken by another person without their permission.
It’s essential to protect your business with social media insurance. Even a frivolous claim of invasion of privacy or copyright infringement can be financially devastating to defend. Commercial general liability coverage typically protects against copyright and privacy issues, as well as advertising injuries if your business is forced to defend legal actions or pay a settlement.
How can I save money on sports and fitness insurance?
Start by getting free business insurance quotes with Insureon’s online application. Our licensed insurance agents can help make sure you get the right types of insurance at the most affordable price for your consulting business. Most small businesses can get insured and download a certificate of insurance within 24 hours of applying for quotes.
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