Business Insurance for Gyms and Fitness Centers

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A fire at your gym or a lawsuit from a weight-lifting injury could devastate your small business. Insurance for gyms can cover property damage, client injuries, professional oversights, and more.

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One application, multiple quotes

Insureon helps the owners of gyms and fitness centers compare quotes from top U.S. carriers online. Get several quotes with one application.

What types of insurance do gyms and fitness centers need?

These policies provide coverage for common gym and fitness center risks.

Business owner’s policy

A BOP bundles property insurance and general liability insurance under one plan. It's often one of the most cost-effective commercial insurance policies for gyms and fitness clubs.

BEST FOR

Customer injuries
Damaged customer property
Damaged business property

General liability insurance

This type of insurance for fitness studios covers common risks, like a client tripping over a barbell. 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 gyms and fitness centers that have employees. It can cover medical bills for work-related injuries.

BEST FOR

Employee medical expenses
Missed wages
Legal costs

Professional liability insurance

Professional liability insurance for a gym or a fitness center can cover legal expenses if a client claims that your instruction or negligence led to an injury.

BEST FOR

Lawsuits claiming an instructor was negligent
Failure to produce desired results, such as weight loss
Undelivered services, such as a cancelled fitness class

Looking for different coverage? See more policies.

Why do gyms and fitness centers need business insurance?

Your small business is exposed to huge liability when clients push their physical limits. Fitness studio insurance and health club insurance safeguard your business from the costs of client and employee injuries, lawsuits from dissatisfied customers, equipment theft, and other risks.

How much does insurance cost for sports and fitness professionals?

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Several factors will have an impact on insurance costs, including:

Fitness services offered, such as weight training
Business equipment and property
Revenue
Location
Number of employees

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