If you run a CrossFit affiliate, you already know the frustrating reality: most general insurers don't understand what you actually do, or they'll quote you $2,500+ a year for coverage with exclusions buried in the fine print that essentially make it useless.
We built Gym Insurance by PushPress to solve that. It's $1,100–$1,400/year, fully CrossFit affiliate compliant, and includes professional liability — which most policies quietly leave out. For the majority of CrossFit affiliates, it's the best option on the market right now.
Other options exist — some are brokers reselling generic policies, some are tied to CrossFit Inc. We'll cover all of them honestly below. But we're not a neutral comparison site — we built this product, and we think it's better. We'll explain exactly why.
We're PushPress — 20+ years in fitness, 10+ years building gym management software for thousands of fitness businesses across the US. We've heard the same insurance complaints from CrossFit affiliates over and over: too expensive, wrong coverage, or underwriters who make you describe "functional fitness training" instead of CrossFit to get covered at all.
So we built our own solution. Our policies are underwritten by Everspan and Starr Specialty Insurance (both A-rated), and designed specifically for the way CrossFit affiliates actually operate — open gym, coached WODs, personal training, competitions, all of it.
This comparison is based on what we've seen working with thousands of gyms, not a spreadsheet exercise.
Here's what matters — and what to verify is actually in your policy, not just implied:
General Liability — covers you if a member or visitor is injured at your facility and sues. Slip-and-falls, equipment accidents, property damage to a client's belongings. This is the baseline and every policy includes it — but check the per-occurrence and aggregate limits.
Professional Liability — covers you if a client claims your coaching, programming, or instruction caused their injury. This is the one that often gets quietly excluded. Confirm it's in there before you buy.
Participant Medical Payments — pays for a member's medical bills after an injury without requiring them to sue you first. Faster resolution, fewer lawsuits. Often $5,000–$25,000 per incident. Important for high-intensity training environments.
Business Personal Property — covers your equipment: barbells, rigs, rowers, bikes, medicine balls, computers. If there's a fire, flood, or theft, this pays to replace it. Replacement cost vs. actual cash value matters here — make sure you're getting replacement cost.
Workers' Compensation — required in most states if you have employees. Covers staff injuries on the job. Non-negotiable if you have coaches on payroll.
1. Does it explicitly cover CrossFit programming?
Ask your provider to confirm in writing that CrossFit WODs, open gym, and coached classes are covered. "Functional fitness" is not the same thing if it comes to a claim.
2. What are the exclusions?
Read the exclusions section before you buy anything. Look specifically for exclusions around high-intensity training, specific movements (Olympic lifting, gymnastics), and competitions.
3. What's the total first-year cost?
Add up the premium, any membership fees, brokerage fees, and administrative costs. The headline number isn't always the real number. See our gym insurance cost breakdown for what to expect.
4. What are the per-occurrence and aggregate limits?
Per-occurrence is the max payout per incident. Aggregate is the annual cap. $1M/$2M is standard for most affiliates — check that yours isn't lower.
5. Are you CrossFit affiliate compliant?
CrossFit Inc. has specific insurance requirements for affiliates. Confirm your policy meets them before your renewal date, not after.
Most CrossFit affiliates pay $1,100–$1,400/year with Gym Insurance by PushPress. CrossFit RRG runs $2,150–$2,850 when you include the $1,000 membership buy-in and $350 annual brokerage fee. Other providers generally range from $1,800–$3,000+. See our full gym insurance cost breakdown or get a quote for your specific situation.
Yes — but so do other providers including Gym Insurance by PushPress. You are not required to use CrossFit RRG to maintain your affiliate status. Any policy that meets CrossFit Inc.'s coverage specifications is acceptable. Read our full CrossFit RRG comparison for the real cost breakdown.
Both. General liability covers injuries at your facility. Professional liability covers claims that your coaching or programming caused harm. Without professional liability, a client who claims your programming injured them isn't covered. Gym Insurance by PushPress includes both.
General liability covers the legal side if they sue. Participant medical payments cover their immediate medical expenses without requiring a lawsuit — which is how most minor injuries get resolved. Make sure your policy includes both. Learn more about gym liability coverage.
No. Waivers can reduce your exposure but they don't eliminate it — courts regularly look past them, especially for cases involving minors, negligence, or improperly written waiver language. Insurance is still essential. Read our guide on gym liability waivers for more on what they do and don't protect you from.
With Gym Insurance by PushPress, yes. CrossFit RRG gets more complicated if you want to run programming outside the CrossFit affiliation model. Check your policy terms before opening a second location. Contact us if you need to add a location to your existing policy.
With Gym Insurance by PushPress, yes — the policy is designed for multi-modality fitness businesses. We cover CrossFit boxes, yoga studios, and everything in between. Confirm the specific activities with us when you get a quote. With other providers, verify explicitly that non-CrossFit programming is included.
With Gym Insurance by PushPress, instantly — download your certificate of insurance the moment your policy is active. If you're signing a new lease or heading into a competition and need it at 11pm, you've got it.
For most CrossFit affiliates, Gym Insurance by PushPress is the best value: $1,100–$1,400/year, full affiliate compliance, professional liability included, and no hidden fees. If you've been quoted $2,500+ or told you need to hide what you actually do to get covered, there's a better option.
Pricing ranges reflect typical 2026 annual premiums. Your actual rate depends on facility size, location, programming, and coverage selections.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.