The five real options for insuring your gym, with the buy-ins, brokerage fees, and affiliation strings out in the open.
CrossFit insurance is the business liability coverage an affiliate gym runs on, and it costs most affiliates about $130 a month, roughly $1,200 to $2,000 a year. It covers you if someone is injured at your gym and sues, or if your coaching is blamed for an injury, with general liability and professional liability both included.
The monthly premium is only part of the cost. CrossFit RRG runs $2,150 to $2,850 a year, roughly double, before a one-time $1,000 buy-in and a $350 annual brokerage fee, and its coverage is tied to staying affiliated. All five are compared below with the full yearly cost of each.
One of the providers on this list is us. Compare the numbers and decide for yourself.
We’re gym owners. We built the software thousands of CrossFit affiliates use to run their box, and we heard the same insurance complaints over and over: too expensive, wrong coverage, or an insurer who makes you call it "functional fitness training" to get covered at all. We needed insurance that priced CrossFit programming like CrossFit programming. Nobody was selling that, so we built it.
20+ years in fitness. Data from thousands of gyms. No broker fees. A-rated carriers (Everspan, Starr Indemnity). Reinsured. Fully CrossFit, LLC affiliate compliant.
Everything below comes from quoting and insuring these gyms ourselves.
| Provider | Best for | Typical annual cost* | Watch out for |
|---|---|---|---|
| Gym Insurance by PushPress Best overall | Most CrossFit affiliates, best overall value | $1,200 to $2,000 | Covers competitions at your own gym; away-competition liability is not included today |
| CrossFit RRG | Affiliates who want CrossFit, LLC's official option | $2,150 to $2,850/yr | You'd need a separate policy for your equipment; coverage tied to affiliation; $1,000 buy-in + $350/yr brokerage |
| Affiliate Guard | Gym owners who want a broker to handle the process for them | $1,800 to $3,000 | Broker fees on top of premium; you get whichever off-the-shelf policy the carrier sells, exclusions included |
| Nexo Insurance | Gyms that don't qualify for CrossFit RRG but want the same company | $1,800 to $2,800 | Same parent company as CrossFit RRG, same fundamental issues, slightly broader reach |
| Francis L. Dean | Gyms that have been turned down everywhere else | $2,500 to $4,500 | Another broker, same middleman issues as Affiliate Guard, but even more expensive |
*Prices accurate as of June 2026. Coverage and pricing can change. Verify directly with the provider before making a decision.
What it covers: General liability, professional liability, commercial property, and workers' compensation. Meets the CrossFit, LLC affiliate insurance requirement in full, and your coverage does not end if you stop being an affiliate.
Why it's cheaper: There is no broker in the middle taking a cut. We built this with the insurance company ourselves, using ten years of data from real gyms, so you are not paying the 20 to 30 percent commission that is normally built into a premium.
What it costs: About $130 a month, roughly $1,200 to $2,000/year for most affiliates. You can get a quote in under 5 minutes.
Watch out for: Competitions at your own gym are covered, in-house throwdowns included. What the policy does not include today is your gym's liability when a team travels to compete somewhere else. If this is something you think you'll need, tell us when you quote.
The "what's the catch?" answer: There isn't one. We don't pay broker commissions. We built this because PushPress works with thousands of gyms and the insurance market was genuinely broken for them. We had the data and the relationships to fix it.
CrossFit Risk Retention Group is the insurance program created by CrossFit, LLC. It's marketed as the "official" option for affiliates and some gym owners feel more comfortable with that association.
What it covers: General liability and professional liability for CrossFit affiliates and independent trainers.
What it actually costs: The headline premium sounds reasonable, but CrossFit RRG charges a $1,000 membership buy-in fee plus a $350 annual brokerage fee on top of the base premium. For most affiliates, total first-year cost runs $2,150 to $2,850.
The real issue: CrossFit RRG ties your insurance to your CrossFit affiliation. If you want to add a second location, offer non-CrossFit programming, or ever consider dropping your affiliation, your coverage situation gets complicated fast. And if you don't qualify for the RRG, they'll point you to their parent company Nexo Insurance, which has the same approach and similar pricing issues (see below).
Best for: Affiliates who specifically want to stay within the CrossFit, LLC ecosystem and aren't price-sensitive.
Watch out for: The fee structure. Read the full cost breakdown before assuming it's competitive. And know that CrossFit RRG and Nexo Insurance are the same organization, if one doesn't work for you, the other probably won't either.
Affiliate Guard is an insurance broker, they don't create or control the policies they sell. They find policies from traditional insurance companies and resell them to gym owners, adding their brokerage fee on top.
What that means for you: The policy you get through Affiliate Guard is whatever the insurance company offers. Affiliate Guard can't change what's covered, what's excluded, or how claims are handled. They're a middleman. If your policy has a problematic exclusion, Affiliate Guard can't fix it, they didn't write it.
What it costs: $1,800 to $3,000/year. That includes their brokerage fee baked into the premium. You're paying 20 to 30% more than you would if you went direct, and you're getting the same off-the-shelf policy the insurance company sells to everyone.
The honest take: Some gym owners like having a broker handle the shopping process. But you're paying significantly more for that convenience, and you're getting a generic policy that wasn't designed for how your gym actually operates. The broker doesn't have the gym-specific data or the relationships to get you a better deal, they just have access to the same carriers you could find yourself.
Best for: Gym owners who don't want to deal with insurance directly and are willing to pay more for someone else to handle it.
Watch out for: You're paying broker fees for a policy that wasn't built for gyms. Ask exactly what's excluded before you sign.
Here's something most gym owners don't realize: Nexo is the parent company of CrossFit RRG. If you've already looked at CrossFit RRG and didn't like what you saw, the fees, the limited flexibility, the coverage restrictions, Nexo is the same company with a slightly wider net.
What's different from CrossFit RRG: Nexo can write policies for gym types that don't fit into the RRG structure, martial arts gyms, hybrid facilities, gyms that aren't CrossFit affiliates. They have a bit more flexibility in who they'll cover. But the underlying approach, the pricing structure, and the way they handle policies are all coming from the same place.
What it costs: $1,800 to $2,800/year.
The honest take: If you didn't like CrossFit RRG's pricing, fees, or coverage limitations, Nexo isn't going to feel meaningfully different, it's the same organization. The slightly broader reach helps if you run a martial arts or hybrid gym that the RRG won't cover, but you're still paying significantly more than you need to for a policy that wasn't built with your specific gym in mind.
Best for: Gyms that want to work with the CrossFit RRG parent company but don't qualify for the RRG itself.
Watch out for: Don't assume Nexo is an independent alternative to CrossFit RRG. It's the same company. If the RRG's approach didn't work for you, this probably won't either.
Like Affiliate Guard, Francis L. Dean is an insurance broker, not a provider. They don't create the policies, they don't control what's covered, and they can't tailor anything to your specific gym. They find policies from insurance companies that are willing to cover higher-risk facilities and resell them to you with their fees on top.
What it costs: $2,500 to $4,500/year and up. You're paying broker fees plus a premium that's already inflated because the insurance companies see you as higher risk.
Why they exist: Some gyms have been turned down by other insurance companies, maybe they have a claims history, unusual equipment, or programming that scares off standard carriers. Francis L. Dean specializes in finding someone who will say yes. That's genuinely useful if you're in that situation.
The honest take: If you've been declined everywhere else, Francis L. Dean might be your only option and that's fine. But most CrossFit affiliates are not high-risk, no matter what a broker tells you. If you're running standard programming and haven't been declined, paying $3,000 to $4,000/year through a broker when you could pay about $130 a month ($1,200 to $2,000 a year) directly is just overpaying for a policy you don't control.
Best for: Gyms that have genuinely been turned down by other options and need someone to find a carrier willing to cover them.
Watch out for: Same broker problems as Affiliate Guard, fees, no control over the policy, and no ability to customize coverage for how your gym actually works. Plus the price tag is significantly higher.
CrossFit, LLC requires affiliates to carry general liability at $1 million per occurrence and $2 million aggregate, professional liability at $1 million, and to name CrossFit, LLC as an additional insured. Every provider on this page clears that bar. The differences are in what else you get, and what you pay.
Covers you if a member or visitor is injured at your gym and sues. Slip-and-falls, bar-on-foot incidents, equipment accidents. Baseline coverage, but check the per-occurrence and aggregate limits.
Learn more →Covers you if a client claims your coaching, programming, or scaling decisions caused their injury. Often quietly excluded by carriers that don't price CrossFit properly, so confirm it's in there before you buy.
Learn more →Covers your rigs, barbells, plates, rowers, bikes, mats, and tech. Fire, a burst pipe, or theft, all paid out. Replacement cost vs. actual cash value matters, ask for replacement cost.
Learn more →Required in most states if you have employees. Covers staff injuries on the job. Non-negotiable if your coaches are on payroll.
Learn more →How each provider stacks up on what's actually in the policy. The at-a-glance table above is the headline. This is the fine print.
| Attribute | Gym Insurance by PushPress | CrossFit RRG | Affiliate Guard | Nexo Insurance | Francis L. Dean |
|---|---|---|---|---|---|
| General liability | ✓ | ✓ | ✓ | ✓ | ✓ |
| Professional liability | ✓ | ✓ | Through broker | Add-on | Through broker |
| Business personal property | Replacement cost | Not covered | Varies by carrier | Often actual cash value | Varies by carrier |
| Workers' comp options | Easily added | Separate carrier | Through broker | Separate carrier | Through broker |
| CrossFit, LLC affiliate compliant | ✓ | ✓ | ✓ | ✓ | ✓ |
| Coverage continues if you drop CrossFit affiliation | ✓ | ✗ | ✓ | ✓ | ✓ |
| Membership / buy-in fee | $0 | $1,000 | $0 | $0 | $0 |
| Annual brokerage fee | $0 | $350/yr | Built into premium | $0 | Built into premium |
| Admitted carrier | ✓ Everspan / Starr Indemnity | Risk Retention Group | ✓ | Risk Retention Group | ✓ |
| Online quoting / instant COI | Under 5 minutes | Member portal | Through broker | Member portal | Through broker |
Most CrossFit affiliates pay about $130 a month, roughly $1,200 to $2,000 a year, with Gym Insurance by PushPress. CrossFit RRG runs $2,150 to $2,850 a year, roughly double, before the one-time $1,000 membership buy-in and $350 annual brokerage fee. Other providers generally range from $1,800 to $3,000+. See our full gym insurance cost breakdown or get a quote for your specific situation.
Yes, CrossFit RRG meets CrossFit, LLC's affiliate insurance requirements, 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, LLC's coverage specifications is acceptable. Read our full CrossFit RRG comparison for the real cost breakdown.
Both. A CrossFit gym needs general liability, which covers injuries at your facility, and professional liability, which 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 insurance is what responds when a member is hurt during a WOD and holds your gym responsible: it pays your legal defense and any settlement. Coverage and limits vary by policy. Learn more about gym liability coverage.
Not with Gym Insurance by PushPress. The policy meets every CrossFit, LLC affiliate insurance requirement, but your coverage isn't tied to your affiliation, so if you ever de-affiliate or rebrand, your insurance carries on unchanged. CrossFit RRG works the other way: its coverage is tied to your affiliation, so leaving the affiliate program means finding new insurance at the same time. Read our full CrossFit RRG comparison for how the two models differ.
Yes. A Gym Insurance by PushPress policy is designed for multi-modality fitness businesses, so a CrossFit gym that also offers yoga and personal training is covered. We cover CrossFit gyms, 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.
Your certificate of insurance is ready the moment a Gym Insurance by PushPress policy is active, downloadable from your policy dashboard with no broker in the loop. If you're signing a new lease or heading into a competition and need it at 11pm, you've got it.
Partly. Professional liability covers your contractor coaches as long as each one has a signed contractor agreement with you. General liability automatically covers only you and your employees. If you want a 1099 coach covered there too, you can add them as an additional insured for $25 a year each, and they're covered whenever they're coaching at your gym. A coach who also teaches at other gyms should carry their own policy for that outside work.
Not the gymnastics movements in your own programming. Pull-ups, muscle-ups, handstand work and ring work are normal CrossFit training for adults and they are covered. What the exclusion names is gymnastics for minors, so a kids gymnastics offering is a different conversation. If you run CrossFit Kids or anything similar, check it with us rather than assuming either way.
Yes, in-house competitions you host at your own gym are covered, throwdowns included. The special-events exclusion only applies when an event has more than 100 participants in a session you run and at least one of these is true: it is open to the general public, there is a cost to enter beyond membership dues, spectators are charged admission, or an outside sponsor is involved. A members-only competition is covered. Travelling to compete at another affiliate is the different case, and that is not included today. If this is something you think you'll need, tell us when you quote.
Only if you add it. Unstaffed hours are not on the standard policy, so if your members badge in at 5am with nobody there, say so when you quote and we price it in. If you only run staffed hours, you don't need it. More on 24 hour gym insurance.
Yes. Cold plunge, sauna, red light, and PEMF are covered as recovery amenities, as long as you are not offering them as a licensed medical service. Cryotherapy chambers are the exception, and we cannot cover those. More on cold plunge and sauna coverage.
Most CrossFit affiliates pay about $130 a month for it, and the $1 million limit is not an upgrade you buy on top. Every policy we write is $1M per occurrence and $3M aggregate as standard. Your price within the $1,200 to $2,000 a year range depends on your size and what you run. The floor is $24/mo.
For most CrossFit affiliates, Gym Insurance by PushPress is the best value: about $130/mo ($1,200 to $2,000/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.
Updated October 2, 2026
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