Gym and Fitness Center Insurance


Types of Insurance

Types of Insurance -  Condo Insurance

Add-Ons and Bundles

 Discounts - Condo Insurance


Glossary -  Condo Insurance

Why Get Gym and Fitness Center Insurance?

Gyms and fitness centers do not only have to worry about the typical problems smal businesses may face. In gyms and fitness centers, it is quite likely that someone will get hurt. For example, a client may get injured from broken equipment or a mistake on the part of a trainer. Additionally, one of your employees may get injured as well. When this happens, you want to know that you are financially covered. This is where the insurance for your gym and or fitness center comes in.

Types of Gym and Fitness Center Insurance

Commercial General Liability Insurance

Coverage for common risks.


  • Customer-sustained injuries
  • Damaged customer property
  • Advertising injuries

Typical Cost & Factors

  • $600-$1000 per year
  • Depends on coverage needs, staff size


Commercial Property Insurance

Coverage for risks to property.*


  • Fires
  • Vandalism and break-ins
  • Water damage

Typical Cost & Factors

  • $600-$1000 per year
  • Depends on value of property


Professional Liability Insurance**

Coverage for professionally performed services.


  • Allied negligence
  • Loss of personal information
  • Associated legal fees 

Typical Cost & Factors

  • $800-$1100 per year
  • Depends on services provided

Workers’ Compensation Insurance

Coverage for employee injury.


  • Medical bills for job-related illness or injury
  • Wage replacement during recovery time

Typical Cost & Factors

  • $800-$1200 per year
  • Depends on number of workers, level of occupational risk

    Medical Payments Insurance

    Coverage for client injury.


    • Client injury
    • Associated medical fees 

    Typical Factors

    • Depends on services provided

    Other Types of Insurance

    Coverage for other events.


    • Product Liability Insurance
    • Event Insurance

    Essential Questions to Consider

    1. First, what is in your gym? For example, what facilities and equipment do you have?
    2. Does your gym offer certain programs that make you legible for special types of insurance? For example, programs may be yoga or spinning.
    3. Do you need a certain type of insurance to fulfill contractual obligations?
    4. There are special factors that may affect insurance price. For example, if you train minors, host competitions, or sell certain supplements, your insurance price may be higher.
    5. Finally, how large is your gym? The size of your gym determines the price for insurance you have to pay.



    Utility Interruption Coverage

    A Utility Services Exclusion found in many Commercial Property Insurance plans means that without this coverage, you will not be compensated in the case of a power outage resulting from something outside your business, like a knocked power line.

    Equipment Breakdown Coverage

    Vital machinery from curling irons to tanning beds to air conditioning can be damaged by power surges or mechanical breakdown, which are often not included in, but can be added to, Commericial Property Insurance coverage.

    Extra Expense Coverage

    After properties have experienced a physical loss, like a natural disaster, Commercial Property Insurance may cover the costs to repair the location, but will not cover the costs of moving to a temporary location to keep business running without Extra Expense Coverage.


    Many insurance plans are commonly bundled together for simplicity and a cheaper rate.

    Business owner’s policy (BOP)

    A popular option for small businesses like hair and beauty salons that combines Commercial General Liability insurance with Commercial Property insurance, usually at a cheaper price than if the two were purchased separately.

    Frequently Asked Questions

    Do we insure people with many claims?

    Yes! We have select carriers for people who have many claims or a bad record.

    What payment methods do we accept?

    Payments through a mortgage, direct billing through mail, EFT (Bank Account), debit and credit cards.

    How can I file a claim?

     We strongly recommend calling us before the insurance carrier directly about a claim. You may not want to file a claim depending on your insurance plan. However, we will assist you in filling a claim the best way to make sure you take the least amount of damage possible to your insurance score. After talking with us, you can call the insurance carrier or let us call them for you.


    If you can’t find your answer here, please don’t hesitate to ask a representative through our messaging system or email.