Business Insurance for Gyms and Fitness Centers

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Physical Fitness Facility
Free weight area of a gym.
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Why do gyms and fitness centers need business insurance?

Fitness studios and gyms face high risks when clients push their physical limits. If a customer suffers a weight-lifting injury, or slips on a treadmill, you could face a lawsuit. Business insurance can cover legal costs and medical bills, and helps you fulfill the requirements of state laws and leases.

Two people running on adjacent treadmills.
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Get same-day insurance

With Insureon, fitness center and gym owners can get insurance coverage the same day they apply for quotes.

Fill out our easy online application to compare quotes from top-rated providers.

Which insurance policies do gyms and fitness centers need?

These insurance policies cover the most common risks in the fitness industry.

Business owner’s policy icon

Business owner’s policy

A BOP bundles commercial property insurance and general liability coverage at a discount. It covers legal costs from customer accidents as well as business property damage.

  • Customer injuries and property damage
  • Fires, theft, and vandalism
  • Business interruption insurance
General liability insurance icon

General liability insurance

A general liability insurance policy covers basic third-party risks, such as slip-and-fall injuries at your gym or fitness club. A commercial landlord might require this coverage.

  • Customer bodily injuries
  • Customer property damage
  • Libel and other advertising injuries
Workers’ compensation insurance icon

Workers’ compensation insurance

Most states require workers' comp for gyms and fitness centers that have employees. It also protects sole proprietors from work injury costs that health insurance might deny.

  • Employee medical expenses
  • Disability benefits
  • Employee injury lawsuits
Professional liability insurance icon

Professional liability insurance

Professional liability coverage helps pay for legal costs if a client claims that a personal training session at your gym caused an injury. It's sometimes referred to as errors and omissions insurance.

  • Allegations that training caused harm
  • Failure to deliver promised weight loss
  • Undelivered fitness classes
Looking for different coverage? See more policies.

Strengthen your business with insurance

How much does fitness center and gym insurance cost?

Fitness professional in a tank top calculating insurance costs.

A small health club with a few employees will pay less for insurance than a larger business.

Factors that affect premiums include:

  • Fitness services offered, such as weight training or martial arts
  • Business equipment and property
  • Business income
  • Types of insurance purchased
  • Policy limits and deductibles
View Costs

How do I get fitness center insurance?

It's easy to get fitness center and gym insurance if you have your company information on hand. Our application will ask for basic facts about your small business, such as revenue and number of employees. You can buy a policy online and get a certificate of insurance with Insureon in three easy steps:

  1. Complete a free online application
  2. Compare insurance quotes and choose policies
  3. Pay for your policy and download a certificate

Insureon's licensed insurance agents work with top-rated U.S. providers to find the right commercial insurance for your fitness business, whether you work independently or hire employees.

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