Sports and Fitness Business Insurance

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Professions we insure:

Dance instructors Fitness instructors Gyms and fitness centers Personal trainers Pilates instructors Yoga teachers Zumba instructors

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Common 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

Workers’ compensation insurance is required in almost every state for sports and fitness businesses that have employees. It can cover medical costs for work-related injuries.

BEST FOR

Employee medical expenses
Partial missed wages
Lawsuits over employee injuries

Professional liability insurance

Professional liability insurance 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?

Woman in 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

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What our customers are saying

"I had an urgent contractual requirement for insurance in December to pay before the end of the year. Holly Burton worked with The Hartford to send me an invoice around Christmas. I have saved hundreds in taxes."

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Software / internet design

"Raynaldo made quick work of things. I told him what I needed, and ultimately I had a certificate of insurance in a matter of hours."

Michael D.

Custom programmer

"The response time was almost immediate. The options I was given were based on my company's needs. I received the policy in record time."

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Management consultant

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