Business Insurance for Gyms and Fitness Centers

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Physical Fitness Facility
Free weight area of a gym.
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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 icon

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.

  • Customer injuries
  • Damaged customer property
  • Damaged business property
General liability insurance icon

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.

  • Slip-and-fall accidents
  • Damaged customer property
  • Libel or slander lawsuits
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
  • Missed wages
  • Legal costs
Professional liability insurance icon

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.

  • Allegations that training caused harm
  • Failure to deliver promised weight loss
  • Undelivered fitness classes
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?

Fitness professional in a tank top calculating insurance costs.

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
View Costs
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