CrossFit is evolving. Your insurance should too. Gym Insurance by PushPress provides the fully compliant, A-rated coverage you need today, with the flexibility to add new programs and disciplines tomorrow.
CrossFit RRG is the risk retention group CrossFit created in 2009 to insure its affiliates, and affiliates who join it make a $1,000 membership contribution, paid over five years. Gym Insurance by PushPress meets every CrossFit affiliate insurance requirement with no membership contribution.
Most CrossFit affiliates we insure pay $1,200 to $2,000 a year, with general liability and professional liability both included. We're one of the two providers on this page. Use the comparison to check the quote you already have.
We're gym owners. The affiliate owners we work with said their insurance cost too much and might not last if they ever left CrossFit. We needed coverage priced for a CrossFit gym that stays with the business, whatever its affiliation. Nobody sold it, so we built it.
PushPress has been in fitness for over 20 years and has data from thousands of gyms. Our policies are written by A-rated carriers and reinsured, and there are no broker fees.
Gym Insurance by PushPress policies meet all current CrossFit Affiliate insurance requirements, including the general liability and professional liability limits required to operate as an Affiliate.
While Gym Insurance by PushPress is not part of CrossFit's official partner network, our parent company, PushPress is a long-standing CrossFit partner trusted by thousands of gyms worldwide for their gym management and marketing needs.
You have options. Your affiliate agreement requires specific coverage limits, not a specific provider. You don't need to buy your insurance through CrossFit RRG to stay compliant as a CrossFit Affiliate gym.
| Attribute | Gym Insurance by PushPress | CrossFit RRG |
|---|---|---|
| Membership contribution | $0 | $1,000 over five years |
| Annual broker fees | $0 | None found |
| Meets CrossFit Affiliate insurance requirements | ✓ | ✓ |
| Official CrossFit insurance partner | PushPress is a 10+ year CrossFit Affiliate Partner | ✓ |
| Financial Transparency | State-Filed & Approved Rates | Regulated by Montana (its home state) |
| Coverage if you leave CrossFit | Yes. Follows your business (even if you de-affiliate) | Restricted to active CrossFit affiliates |
| Coverage for non-CrossFit gyms | ✓ | Not offered |
| General liability coverage | ✓ | ✓ |
| Professional liability coverage | ✓ | ✓ |
| Property & equipment coverage | Easily added | Often separate |
| Replacement Value (Property) | New-for-Old (replacement cost) | Often "Actual Cash Value" (depreciated) |
| Worker's compensation options | Easily added | Often separate |
Note: All comparisons on this page are accurate as of October 2026. Policy terms can change without notice, so please double check your latest policy quote before making your decision.
The biggest difference between us and CrossFit RRG isn't just the coverage. It's the math.
CrossFit RRG requires Affiliates to "pay to play". Members make a $1,000 membership contribution, paid over five years at $50 a year minimum.
At Gym Insurance by PushPress, we think that's backward. We don't charge membership or brokerage fees because we believe your budget should go toward protecting your business. Your CrossFit gym liability coverage should be an asset, not a limitation on your growth.
Here's how we keep things simple:
We've made it easy for you to double check your 2026 potential savings. No high-pressure sales calls, no "intro" fees. Just a transparent look at what your gym insurance coverage could actually cost.
Most CrossFit owners don't realize that a standard liability policy only protects them for liability and lawsuit claims. It doesn't pay a dime if your rig is damaged, your back wall burns down, or your rowers are stolen. In fact, most gym insurance claims we see are for property claims, not liability claims.
With Gym Insurance by PushPress, we don't make you go hunt for a separate property policy. You can buy coverage for your equipment at the same time as your main liability policies.
We keep it simple. If it's part of your gym, it's probably covered.
The Big Stuff: rigs, racks, plates, and barbells
The Tech: computers, sound systems, and iPads at the front desk
The Build Out: flooring, mirrors, and leased space improvements (like that expensive HVAC or shower stall)
Insurance nerds might also call our policy an "open-perils" policy. All you need to know is that we cover damage from any cause, unless we explicitly say we don't. Compare this to a "named-perils" policy, which only covers you if the damage happens in a very specific way (like a fire). If a pipe bursts and ruins your wood lifting platforms on a named-perils policy, you might be out of luck. On our plan, you're covered.
Stop juggling multiple different insurance agents. By bundling your property with your liability:
Your limits stay aligned (you won't be under-insured as you grow)
Claims are seamless because one carrier handles the whole incident
One annual renewal date helps you plan and manage your cash flow better
The true test of insurance isn't the price of the premium. It's what happens at 2:00 PM on a Tuesday when a member gets hurt or a pipe bursts.
In the insurance world, there is a big difference between being a "member" of a group and being a "policyholder" with an admitted carriers. Here's why that distinction matters to you:
Gym Insurance by PushPress policies are backed by national-wide, admitted insurance carriers. This means our claims processes are regulated by state insurance departments. You aren't at the mercy of a small group's internal board; you are protected by standardized consumer laws.
This regulation ensures:
Prompt communication: No wondering if your email was seen - we have to reply within a certain timeframe
Fair evaluations: Claims are handled by professional adjusters who follow strict state guidelines
Financial certainty: Our carriers have the "A-rated" reserves to pay out large claims
Because we're part of the PushPress family, our claims team understands your business. We know that a claim involves real people in your community. We work to resolve issues quickly and professionally so that you can keep your focus on your classes, not on paperwork and legal disputes.
The Gym Insurance by PushPress Promise: You'll get a dedicated claims contact and a clear timeline. No "black holes," no guesswork. Just the support you need to get back in business.
How does your insurance react if you're a CrossFit affiliate who wants to add a Brazilian Jiu-Jitsu program in the evenings to increase revenue and attract new members?
With Gym Insurance by PushPress, you can simply update your gym's operations and add martial arts coverage to your policy. That's it. 5 minutes, and you're insured from top-to-bottom.
With CrossFit RRG coverage, BJJ may fall outside their program scope and require you to find a new policy.
At Gym Insurance, our philosophy is simple: you should never have to say 'no' to a cool new gym business idea. Our admitted carrier structure ensures your coverage stays consistent as your business evolves, regardless of your brand affiliation.
This section contains how each insurance program is built behind the scenes, including carrier regulation, policy structure, and how coverage responds when a claim happens.
| Technical Coverage Area | Gym Insurance: How It Works | CrossFit RRG: How It Works |
|---|---|---|
| Operational flexibility &scope | Written on an admitted, business-owner basis. This means coverage is tied to your legal entity and its total fitness operations. You can add martial arts, yoga, or hybrid training models under one roof without falling out of "program compliance." | Generally written as a program-specific policy. Coverage is often strictly tied to "CrossFit-related" activities. Expanding into non-functional fitness disciplines may require separate policies or risk being excluded under the RRG's narrow scope. |
| Deductibles & Out-of-Pocket Costs | $0 Deductible on General Liability. We also provide a low, transparent $1,000 deductible on Professional Liability and Property claims. No hidden "participation" fees. | $0 on general and professional liability in the 2026 RRG policy we reviewed. |
| Carrier structure and regulatory oversight | Gym Insurance places coverage with admitted insurance carriers that are regulated in every state where policies are issued. Rates, policy language, financial reserves, and claims practices are reviewed by state insurance departments to protect policyholders and ensure long-term solvency. This structure provides predictable pricing, standardized claims processes, and strong consumer protections. | CrossFit RRG operates as a Risk Retention Group, which is primarily regulated in a single domiciled state rather than across all states where members operate. This means that if a dispute arises, you may not have the same local state consumer protections you'd expect from a standard policy. While RRGs are legal and commonly used in niche industries, they are not subject to the same multi-state rate and form review process as admitted carriers. |
| Property coverage form (what causes of loss are covered) | Property and equipment coverage is typically written on an open-perils (“all-risk”) basis. This means damage is covered unless a cause of loss is specifically excluded. This type of policy offers broader real-world protection for gym build-outs, rigs, flooring, and equipment. | Property coverage is often written on a named-perils basis, meaning only specifically listed causes of loss are covered. If the cause of damage isn't on their specific list, you're paying out of pocket. We flip that - everything is covered unless we specifically exclude it. |
| Claims handling and financial backing | Claims are handled by established national insurance carriers with dedicated claims departments and fast, fair resolutions protected by state insurance laws. | Claims are administered through the Risk Retention Group structure, which may use third-party administrators and does not always follow the same consumer protection frameworks as admitted insurers. |
| Ability to customize coverage as the gym grows | Coverage limits, deductibles, endorsements, property values, and optional policies can be adjusted over time as revenue increases, new services are added, or equipment investments grow. This allows insurance to evolve alongside the business instead of being locked into a fixed program structure. | RRG programs are generally more standardized, with fewer options for customization outside the core program design. |
| Long-term policy stability and portability | Policies remain in force even if the gym adds new training disciplines, expands into hybrid fitness models, opens additional locations, or changes brand affiliations. Coverage is tied to business operations, not a single fitness organization. | Coverage is typically structured around CrossFit affiliate operations. If a gym meaningfully expands outside that scope, additional coverage may be required or coverage may no longer apply under the RRG program. |
While these technical differences don't always impact daily operations, they can significantly affect coverage strength, claims outcomes, and long-term stability for gym owners.
No. You have the freedom to choose. Your affiliate agreement requires specific coverage limits (like $1M/$2M liability), not a specific insurance provider. Gym Insurance by PushPress meets or exceeds every one of those requirements, so you stay 100% compliant while keeping your costs down.
-> Learn more about our insurance for CrossFit gyms
-> Compare CrossFit insurance companies, all five side by side
CrossFit requires affiliate gyms to have General Liability ($1,000,000 per occurrence/$2,000,000 aggregate) and Professional Liability ($1,000,000). The policies must name CrossFit, LLC as an additional insured.
Your coverage stays with your business, not just your brand. Unlike programs that are strictly tied to a single affiliation, Gym Insurance by PushPress is built for your legal entity. If you add a Jiu-Jitsu program, host a community 5K, or eventually decide to go independent, your policy evolves with you. You don't have to start over from scratch.
For a larger affiliate, yes. RRG prices on revenue, so compare a real quote, and RRG members also make a $1,000 membership contribution over five years. With us, you aren't paying for "membership" in a risk pool. You're only paying for the protection of your gym.
-> Learn more about why we don't charge gym owners any extra fees
Yes. Certificates of insurance (COIs) and additional insureds are easy to generate for landlords and CrossFit, LLC. You can easily add them as an additional insured on your policy for no extra cost.
Yes. Your W2 employees are covered automatically under both general liability and professional liability. 1099 contractors are covered under professional liability when they have a contractor agreement with you, signed before anything happens. To cover them under general liability too, add them as additional insureds for $25.50 a year each.
-> Learn more about professional liability coverage for gyms
Yes. Property and equipment coverage can be added to protect gym assets such as rigs, flooring , weights, and leasehold improvements.
No. Most gyms can switch whenever they'd like. You can wait to switch at renewal or take care of it sooner. The Gym Insurance team can help you handle the transition smoothly.
-> Learn more about how to switch your coverage to Gym Insurance by PushPress
We prioritize fast, fair resolutions. Because we use national, admitted carriers, our claims process is regulated by state insurance laws. This provides you with more formal consumer protections and faster response times than many "private" program-based structures. You get a dedicated claims contact and a clear timeline from day one.
Yes. Gym Insurance by PushPress policies are only placed with admitted carriers regulated by state insurance departments.
Gym Insurance by PushPress offers broader carrier-backed coverage, flexible limits, no membership fees, and protection that continues as gyms grow. CrossFit RRG operates as a fixed program structure tied to CrossFit affiliation.
Updated October 13, 2026
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.