Looking for CrossFit RRG alternatives? Perhaps considering a switch to Gym Insurance+?
If you've encountered coverage limitations with CrossFit RRG, are looking to save money on insurance, or are considering de-affiliating from Crossfit, you might find savings and better coverage with Gym Insurance+, while still meeting all CrossFit Affiliate requirements.
Here's a detailed comparison of Gym Insurance+ vs. CrossFit RRG, including differences in coverage and pricing, to help you make an informed decision.
Premiums are based on revenue, gym's sq. footage, and location. Rates are filed and independently reviewed in every state to ensure fairness and equity within the industry.
Premiums are based on number of members, current and last year's revenue, gym's sq. footage, and location. Rates are only filed in one state, with reduced regulatory protections.
No membership or brokerage fees. Ever.
Charges $1,000 membership fee and $350 recurring annual brokerage fee.
Admitted insurer (Everspan) with 'A- Excellent' AM Best rating
Risk Retention Group (liability policies-only)
Broad (any fitness / martial arts business)
Narrow (CrossFit affiliate operations only)
Included ($300k / $600k)
Often excluded or optional
Separate limits for GL & PL policies
Shared limits for GL & PL policies
Automatic blanket coverage for additional insureds by contract (landlords, franchisors, etc)
Typically requires manual endorsement
Easy to add. $500 deductible. 'Open-perils' policy means any event is covered unless specifically excluded. Full replacement costs paid (for new, at time of claim).
Offered separately. Higher deductibles ($500 deductible for $250k limits; $1,000 deductible for over $500k limits). Only depreciated value paid (Actual Cash Value), unless upgrade to Replacement Value is requested.
Expressly listed on quote and policy documents for full transparency. Any gym-related liability event is covered unless specifically excluded.
Numerous exclusions listed, as well as a blanket statement: "Everything not named is excluded"
Modern, small-business commercial-grade liability coverage. Broader, more flexible, and landlord friendly. Easier to combine with property coverage.
Narrow, member-specific, liability-only coverage. Less customizable and coverage is strictly limited to "CrossFit training services".
Note: All comparisons on this page are accurate as of October 2025. Policy terms can change without notice, so please double check your latest policy quote before making your decision.
Gym Insurance+ is run by PushPress, the gym management software beloved by the CrossFit community.
Founded by PushPress's co-founders who saw that gym owners nationwide were overpaying on insurance premiums from predatory providers, our focus is on saving you money while giving you the best insurance to protect your gym.
Kids classes and camps, rope climbs, pegboards, cold plunge pools, homemade equipment—we cover it all. We designed our insurance policies specifically for CrossFit Affiliates with direct input from PushPress leadership, CrossFit gym owners, and insurance experts. Our insurance program is unique because we control our own underwriting—so we can continue to evolve and grow our insurance coverage alongside your gym, rather than restricting you to CrossFit-only activities.
We've helped thousands of gym owners just like you get better insurance for their gyms at a great price. We offer general liability, professional liability, and business personal property policies that meet all CrossFit Affiliate requirements, for great prices and excellent coverage.
CrossFit RRG was the only option for CrossFit affiliate gym's insurance for a long time. They supported the CrossFit community when it needed help, and for this, we applaud them.
However, CrossFit RRG prices aren't regulated on a national level, so without healthy competition, CrossFit affiliate owners were paying higher-than-necessary premiums.
Their membership-focused application also raises insurance costs with their $1,000 buy-in fee and $350 annual fee.
CrossFit RRG's application is lengthy, but tailored specifically to CrossFit gym risks. Even though their policy excludes any activities outside a CrossFit gym, their coverage is complete for a truly traditional CrossFit gym.
This focus on the CrossFit community, however, comes with a trade-off in terms of flexibility. If a gym de-affiliates from CrossFit, they cannot continue their insurance coverage with CrossFit RRG.
Gym Insurance+ is a modern fitness industry insurance program filed in 48 U.S. states (all but HI and AK). Our premium rates are reviewed and regulated by independent state regulators, ensuring compliance and market competitiveness within the fitness insurance industry.
We price our policies based on three simple factors: Revenue, Gym Sq. Footage, and Location.
At the core of Gym Insurance+ is our fair and competitive pricing. Our ultimate goal is to save gym owners money on their insurance, while ensuring your gym has optimum insurance coverage and is a safe and secure place for you and your members.
Our philosophy is simple: You should never have to say 'no' to a cool new gym business idea or willfully hide your new idea from your insurer because you're afraid they'll charge you more or cancel your policy.
That's why we're proud to have underwriting control over our insurance program. As the gym industry evolves, so will our insurance. We want to cover your gym entirely, protecting you and your members—all for a fair, reasonable price.
CrossFit RRG is a membership-only risk retention group providing CrossFit affiliate-only insurance. They cannot provide insurance to any gyms other than CrossFit affiliates.
As a risk retention group, their pricing is only filed in one state, which means that premium costs can quickly become unpredictable.
Policies are priced based on member counts, in addition to your revenue, gym sq. footage, and location, which can lead to higher overall premiums. CrossFit RRG also requires gym owners to pay annual membership fees, which can easily double the cost of your insurance policy.
If you decide to de-affiliate from CrossFit, your insurance policy will be cancelled and you'll need to find coverage with another provider.
Every gym owner starts with our comprehensive Gym Liability policy that bundles two essential gym insurance policies: General Liability and Professional Liability. Then you can choose to add on optional coverages: Property or Workers' Compensation.
Even when bundled, all of our policies are standalone policies. This provides additional value to you, ensuring that your policy limits are fully available to you. It also can make it easier for you to file claims.
In addition to our standalone policies, we also offer more generous sub-limits on important gym industry endorsements.
CrossFit RRG is only able to offer General Liability to CrossFit Affiliates directly. Standalone Professional Liability, Property, and Workers' Compensation policies must be purchased separately.
Their General Liability policy includes Professional Liability as an endorsement or extension within a combined liability policy. This means that the Professional Liability coverage shares limits, claims handling, and conditions with the General Liability policy.
Combining GL + PL like this makes CrossFit RRG's coverage less customizable and more narrow in scope than Gym Insurance+ policies.
👉 Your Experience: Property claims with Gym Insurance+ will feel transactional and straightforward. Upload photos, get assigned an adjuster, get reimbursed for your claim. CrossFit RRG simply doesn't offer this channel - if you suffer property damage or loss from a fire or theft, you're uninsured.
👉 Your Experience: With CrossFit RRG, you must track reporting windows closely. If you sell or close your gym, you'll need to purchase additional 'tail coverage' or you'll lose protection. With Gym Insurance+, you have more flexibility on when you report a claim. The date of the accident governs your coverage, not when you file the claim.
👉 Your Experience: With CrossFit RRG, you're more likely to experience uncertainty, wondering "Is this a GL or PL claim? Did we report it in time?" With Gym Insurance+, your claims are more secure, often with clearer communication and faster indemnity decisions.
When evaluating an insurance policy, you'll often see two key limits: per occurrence and aggregate limit.
For example, if you have a $1M per occurrence / $2M aggregate policy:
Understanding these limits is crucial for businesses, as they determine how much protection your policy provides against multiple claims.
Medical Payments coverage is a built-in feature of your General Liability policy that helps cover minor medical expenses for injuries that occur on your premises or as a result of your operations—regardless of fault. Often called "goodwill coverage," it allows you to quickly address medical costs, such as emergency room visits or first aid, helping to prevent minor incidents from escalating into lawsuits. By promptly covering small medical expenses, this coverage can also help maintain positive relationships with customers and visitors.
This confusingly-named coverage is part of your General Liability policy. It protects you from customer lawsuits alleging property damage or injury due to your product or completed service. For gym owners, this coverage is relevant if you sell fitness equipment, supplements, or other products to members, for services like personal training sessions, fitness classes, or equipment installations. Coverage extends beyond the immediate use of your gym, protecting you from claims that may arise weeks or months later.
Products-Completed Operations coverage is a key part of your General Liability policy that protects your business from lawsuits alleging injury or property damage caused by your products or completed services. For gym owners, this coverage is especially important if you sell fitness equipment, supplements, or other products, or if you provide services like personal training, group fitness classes, or equipment installations. Unlike general premises liability, this coverage extends beyond the immediate use of your gym, protecting you from claims that may arise weeks or even months after a product is sold or a service is completed.
Included in your General Liability policy, Personal & Advertising Injury coverage protects your business from claims related to non-physical injuries, such as defamation, copyright infringement, or privacy violations. This could include accidentally using another gym’s slogan or logo in advertising, making comparative statements that could be seen as defamatory, or improperly using someone’s likeness in promotional materials. This coverage helps safeguard your business from costly legal disputes arising from advertising and communication practices.
Yes, SAM coverage is a crucial part of your General Liability policy, especially if you operate a gym that offers jiu-jitsu or other close-contact sports. It provides protection against claims of sexual misconduct, which can be financially and reputationally devastating—even if allegations are unfounded. Coverage limits can vary significantly between policies, so it's important to review your quote carefully and compare options to ensure you have adequate protection.
Coinsurance is an insurance industry "gotcha" that only benefits the insurance company, not you. An 80% coinsurance clause requires you to insure your property for at least 80% of its total replacement cost. If you don’t, your claim payout will be reduced, leaving you on the hook for a large portion of the loss.
For example, CrossFit RRG policies have an 80% coinsurance clause, meaning you'll only get 80% of your total insurable value from a claim—or even less if your property values are listed below a certain limit. This can lead to major financial shortfalls when you need coverage the most.
Coinsurance clauses are one of the top reasons gym owners report bad claims experiences and switch providers. They add unnecessary confusion and risk, all while protecting the insurer—not you. Skip the headache and choose a policy without coinsurance. It offers you zero benefit.
Our policies typically do not include Accident Coverage. This is a standalone policy often offered by non-gym-specialized insurers. Unlike Medical Payments coverage, Accident Coverage provides broader protection, covering medical expenses, rehab costs, loss of income, and sometimes legal fees.
We generally only recommend this coverage for gyms with a primarily youth-based membership since injuries among children tend to be more frequent. However, if you believe this coverage is necessary for your facility, we can offer it separately. Our agents are happy to assist in finding the right solution for your needs.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.