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Zumba instructorsCompare insurance quotes for fitness businesses
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Sports and Fitness Business Insurance
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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.
Business owner’s policy
This policy combines property insurance and general liability insurance in one plan. A BOP is often the most cost-effective type of sport and fitness business insurance.
BEST FOR
- Customer injuries
- Damaged business property
- Business interruption incidents
General liability insurance
This policy covers the most common sports and fitness risks, including customer injuries. Bundle with property insurance for savings in a business owner’s policy.
BEST FOR
- Slip-and-fall accidents
- Damaged customer property
- Libel or slander lawsuits
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.
BEST FOR
- Employee medical expenses
- Partial missed wages
- Lawsuits over employee injuries
Professional liability insurance
This policy is also called errors and omissions insurance (E&O). It can cover legal expenses if a business is sued for negligence, such as a client claiming your workout caused an injury.
BEST FOR
- Lawsuits alleging negligence
- Failure to deliver promised results
- Client injury from a fitness session
Looking for different coverage? See more policies.
How much does insurance cost for sports and fitness professionals?
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
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