Sports and Fitness Business Insurance

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Professions we insure:
Dance instructorsFitness instructorsGyms and fitness centersPersonal trainersPilates instructorsYoga teachersZumba instructors
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Choose the best rate and coverage

Insureon helps sports and fitness professionals compare insurance quotes from top U.S. carriers online. Get several quotes with one application.

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 icon

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 icon

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 icon

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 icon

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?

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
View Costs
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