Why do gymnastics centers and clubs need insurance?
Due to a high rate of injuries in gymnastics, insurance is crucial for your business. It can pay for medical bills if a gymnast takes a fall, along with legal costs if someone sues over an injury or damaged property. You'll likely need insurance to comply with state laws and sign contracts.

Find affordable coverage
Gymnastics centers can save money on insurance by comparing quotes from top-rated providers.
Fill out Insureon's easy online application to get free quotes and advice from a licensed agent.
What type of insurance does a gymnastics club need?
These insurance policies cover the most common risks at gymnastics centers.
General liability insurance
A general liability policy covers basic third-party risks, such as a gymnast who falls off a balance beam and suffers an injury. Bundle it with property coverage for savings in a BOP.
- Bodily injuries from accidents
- Accidental property damage
- Libel and other advertising injuries
Business owner’s policy
A business owner's policy, or BOP, is a cost-effective way for owners of gymnastics clubs to buy general liability coverage and commercial property insurance together.
- Gymnastics injuries from accidents
- Theft of a gymnast's belongings
- Stolen or damaged business property
Professional liability insurance
Professional liability insurance covers financial losses related to negligence, such as unsafe equipment that leads to an injury. It’s sometimes referred to as errors and omissions insurance (E&O).
- Improper instruction
- Poorly maintained equipment
- Billing errors
Workers’ compensation insurance
Most states require workers' comp for employees of gymnastics businesses. It also protects sole proprietors from work-related medical bills that health insurance might deny.
- Employee medical expenses
- Disability benefits
- Employee injury lawsuits
Commercial auto insurance
Commercial auto insurance covers accidents involving vehicles owned by a gymnastics club. Almost every state requires this coverage for business-owned vehicles.
- Property damage caused by your vehicle
- Legal fees from an auto accident
- Vehicle theft and vandalism
Cyber insurance
Cyber insurance helps your gymnastics club recover financially after a data breach or cyberattack. It's strongly recommended for any business that stores personal information.
- Customer notification costs
- Fraud monitoring services
- Cyber extortion payments
How much is insurance for a gymnastics gym?

A gymnastics club with only a few employees can expect to pay less for insurance than a larger gymnastics center.
Factors that affect sports and fitness insurance costs include:
- Type of gymnastics, such as acrobatic, aerobic, or children's gymnastics
- Business property and equipment
- Business income
- Types of coverage purchased
- Policy limits and deductibles
- Coverage options, such as an additional insured
How do I get gymnastics club insurance?
It's easy to get gymnastics insurance coverage if you have your business information on hand. Our application will ask for basic facts about your club, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance (COI) with Insureon in three easy steps:
- Complete our easy online application.
- Compare free quotes and choose your policies.
- Pay for your policies and download proof of insurance.
Insureon's licensed insurance agents work with top-rated U.S. providers to find the right insurance program for your business, whether you're a fitness instructor or you own a gym or other sports facility.
Verified business insurance reviews
Hear from customers like you who purchased small business insurance.
FAQs about business insurance for gymnastics clubs
Review answers to common questions about gymnastics liability insurance and other types of coverage.
Does gymnastic school insurance cover accidents and injuries to participants?
General liability insurance, also called premises liability insurance, covers accidents at your gymnastics center that cause an injury. Most policies include the following:
- Participant legal liability coverage pays for your legal defense costs if a gymnast or other third party sues over a bodily injury or property damage that happened at your business.
- Accident medical insurance covers immediate medical treatment if someone is injured at your gymnastics center, regardless of fault.
Gymnastics clubs often require their members to sign liability waivers, due to the risks associated with the activity. Though this reduces your liability, you'll still want to carry professional liability insurance to protect against accusations of gross negligence or a disregard for safety.
High-risk activities, such as martial arts or parkour, might be listed as exclusions on your policy, though it’s still possible to secure coverage for these risks and others.
Does gymnastics insurance cover mobile programs?
If you offer gymnastics classes, competitions, birthday parties, or fundraisers at locations other than your club, you may need the following insurance policies:
- Special event insurance provides liability coverage for events that differ from your day-to-day operations.
- Inland marine insurance covers business equipment that travels to off-site events, such as gymnastic bars, landing mats, and balance beams.
It's also possible to get coverage for some events included in your general liability insurance, depending on your insurance provider. For concerns about any unique risks, such as trampolines or inflatables, check with a licensed agent to make sure your business is fully protected.
What other types of insurance are recommended for a gymnastics club?
Owners of gymnastics clubs often depend on these policies as part of a comprehensive risk management plan:
- Commercial property insurance covers your gymnastics facility and its contents, also called business personal property (BPP). You might also need equipment breakdown insurance to cover essential equipment, such as a furnace or air conditioner that might suddenly break down and require repairs.
- Business income insurance helps your business recoup financial losses after a fire or other covered property claim forces you to close temporarily. It's also called business interruption coverage.
- Crime insurance comes in different forms. Employee dishonesty coverage protects your business against employee theft, while a fidelity bond protects your clients.
- Commercial umbrella insurance boosts the protection of a gymnastics club's other liability policies, such as general liability, commercial auto, and employer's liability insurance.
- Directors and officers insurance (D&O) covers legal defense costs if a board of directors member or officer is sued for a decision they made on behalf of your club.
- Catastrophic insurance offers protection against rare and high-cost events, such as floods, earthquakes, kidnapping, and terrorism.
- Sexual misconduct or molestation insurance protects against claims of sexual abuse or exploitation, which is a risk of working with children and young adults.
