Top 5 Best Insurance Providers for CrossFit Affiliates & Functional Fitness Gyms

When selecting the best insurance provider for your gym business, you'll want to look at more than just the price. You need to choose the right policy types for your gym, understand what's covered (and what's not), and think about if the policy limits will meet your needs. You also want to feel confident in their customer service, in case you ever have to file a claim.

It can take a lot of legwork to gather all this information together, so we've created this guide to help you get started.

Top 5 Best Insurance Providers for CrossFit Affiliates & Functional Fitness Gyms

Provider Best For Key Features AM Best Rating Price Estimates
Gym Insurance+ CrossFit Affiliates, Functional Fitness Gyms Instant, same-day coverage;
Generous limits at competitive rates;
Industry-experts and fellow gym owners 		A- (Excellent) ~$30–$100/mo
CrossFit RRG Only CrossFit Affiliate Boxes CrossFit Affiliate risk retention group;
Self-quote online;
Adjustable limits 		N/A for risk retention groups ~$60–$200/mo
Affiliate Guard Functional Fitness gyms, CrossFit Affiliates Personal broker attention;
Multiple carriers available;
Adjustable limits 		Varies by carrier ~$50–$100/mo
Nexo Insurance Functional Fitness gyms, de-affiliated Boxes Agent quoting;
Alternate to Affiliate Guard 		Varies by carrier ~$50–$100/mo
Francis L. Dean Cross-training gyms Agent quoting;
Multiple carriers available;
Event coverage options 		Varies by carrier ~$50–$100/mo

Note: This comparison chart is accurate as of July 2025. Available insurance coverage and prices can change without notice, so please double check any information here with the insurance provider.

1AM Best Ratings are independently managed credit ratings of insurance providers. Our strong recommendation is that you only consider insurance providers with an AM Best rating of A- (Excellent) or higher for your gym insurance.

Highlights

Gym Insurance+

  • Best overall for CrossFit affiliates, Functional Fitness gyms, and gyms with 24-hour access, including de-affiliated CrossFit boxes
  • Industry-specific, tailored policies designed by gym owners - many popular gym amenities are automatically included (e.g. cold plunge pools, saunas, energy drink sales)
  • Prices tend to be lower because of strong fitness industry risk management
  • Fast online quoting and really good customer service make it easy for gym owners to buy
  • Doesn't offer building owners' coverage yet, so gym owners who own their own building will need to find coverage with another carrier

CrossFit RRG

  • Longstanding CrossFit risk retention group with coverage available exclusively for CrossFit affiliates
  • Prices tend to be higher than other insurance providers for comparable coverage
  • Only insures CrossFit affiliated boxes, so boxes that de-affiliate and other functional fitness gyms will need to find coverage with another carrier

Affiliate Guard

  • Good reputation for personalized agent customer service
  • Works with multiple insurance carriers and quote limits can be customized
  • Offers building owners' coverage

Nexo Insurance

  • Alternative to CrossFit RRG for gyms that de-affiliate with CrossFit
  • No online services - customers have to call or email to request a quote
  • Insurance carriers quoted are not gym industry-specialized

Francis L. Dean

  • Offers single and multi-day event and competition liability policies
  • No online services - customers have to call or email to request a quote
  • No coverage for 24-hour gym access, open gyms, cold plunge pools, or saunas

What Coverage Do You Need?

How to Choose

  • Although price is important, only looking at dollar amounts is not the best way to compare and choose
  • Make sure you understand your policy's limits (do they meet your needs), the coverages offered (do you really need Inland Marine?), and what's included vs. excluded (if you have a cold plunge pool, make sure it's not excluded from your liability policy!)
  • Listen to your gut and trust your first impressions as you're getting your quotes and asking questions - customer service and how the company treats you matters in insurance, especially if you ever have to file a claim
  • Read reviews, ask industry peers in person or in online communities (i.e. Facebook groups or Reddit subthreads), look for the company's AM Best rating (our recommendation: only buy from A- rated or higher carriers)

Conclusion

In summary, Gym Insurance+ is the best choice for CrossFit affiliates, functional fitness gyms, and 24-hour gyms. Their insurance policies were designed by gym owners, for gym owners and their prices are competitive for industry-tailored coverage, making them a better choice than other providers without in-house underwriting control.

Gyms that own their own building will find the coverage they need with Affiliate Guard and Francis L. Dean, with Affiliate Guard as the preferred choice because of their strong agent customer service reputation. De-affiliating CrossFit gyms that need to switch their insurance from CrossFit RRG can easily find comparable coverage with Gym Insurance+ and Affiliate Guard, with Gym Insurance+ typically offering better prices.

Get covered today

Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.

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