Does 24-hour gym insurance cost more?

Adding 24-hour unstaffed access typically adds about 15% to your base general liability premium. This covers the unique risks of unsupervised hours and key-fob entry.

24-Hour Gym Insurance & General Rates from $33/mo

What is 24-Hour Gym Insurance?

Our 24-hour gym insurance is designed for gyms that allow members to train outside staffed hours. Allowing members to use your gym equipment after hours makes total business sense. Hours that you're closed are hours you're not making money. And if you don't need to staff the gym, that's even more money saved on overhead costs. Every gym owner knows they need to have general liability insurance for their gym during open hours, and if you're going to offer unsupervised gym access at your gym it's a good idea to learn how general liability applies to 24/7 gyms.
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Most gym owners think of 24/7 hour gym access for 'after hours', or late at night. But if your members are using key fobs, door codes, or an app to enter the gym, then you'll want to have 24-hour gym insurance coverage. Even though these technologies track who is coming and going, we all know it just takes one person to let someone else walk in alongside to create a problem.

24-hour gyms have a higher insurance risk profile than staffed gyms due to supervision gaps and most traditional insurance companies don't want to insure gyms with unsupervised hours. Even if you already have general liability coverage for your gym, most standard gym liability policies exclude coverage for unsupervised gym hours. You'll want to double check your policy to ensure you have coverage, and that you're meeting the requirements of the insurance provider to make sure you're actually covered. They may require you to have a special waiver, specific sign in protocols, and explicit emergency procedures posted in the gym.

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Frequently Asked Questions

Do I need special insurance for unstaffed hours?

Most general liability insurance policies will exclude unstaffed gym access and hours. If your policy does not already cover 24-hour or unstaffed access, then yes, you will need to add special coverage for your unstaffed gym hours. For all Gym Insurance liability policies, adding 24-hour coverage is simple. You don't need to buy a new or separate policy, you can add coverage for 24-hours access to your existing policy, and then you're good to go. -> Learn more about General Liability coverage

Does this insurance cover injuries at 2 am?

Yes, if you have 24-hour gym liability coverage on your insurance policy, then your gym is insured for all hours, supervised or unsupervised. Even at 2 am. -> Learn more about General Liability coverage

I'm a CrossFit gym, do I need to have 24-hour insurance if I have Open Gym hours?

If your gym is still supervised (meaning: staff are on the premises) during your Open Gym hours, then you do not need to add 24-hour coverage to your gym liability policy. 24-hour coverage is only necessary if your gym is open to members when unsupervised. -> Learn more about CrossFit gym insurance requirements

How much does it cost to add 24-hour gym insurance?

You can add 24-hour gym access to your Gym Liability Insurance policy for about $15-$20/month. Your final cost will be calculated as 15% of your annual premium and you can choose to pay monthly or all at once. -> Gym Insurance Costs Explained

Will my insurance rates increase if I add 24-hour access?

Yes, your liability insurance price will go up by 15% when you add 24-hour access coverage. -> Gym Insurance Costs Explained

Do you require proof of cameras onsite?

We don't require proof that you have security cameras onsite, although we definitely recommend that you consider installing security cameras! The safer your business, the safer your members will feel, and that's what matters the most at the end of the day.

Do you require that we use a certain key fob or pin pad entry?

We don't require that you use a certain company or system for giving your members 24-hours access to your unsupervised gym. There are lots of options on the market, but we encourage you to find a system that works well for you and your members and is effective at preventing unauthorized persons from entering your gym or piggybacking on another member coming and going.

Do I need to update my waivers if I have 24-hour access?

Yes, your waiver will need to include a statement that your gym has 24-hour unsupervised access where no staff are present and that members are accessing the facility at their own risk. You must have every member who will have access to your gym outside normal business hours sign this updated waiver. Please keep these waivers safe - digital is best, but if you are using paper, please make copies and maintain these for your records. -> Learn more about Gym Waivers

Do waivers protect me during unstaffed hours?

It's a common gym industry misconception to think that waivers will protect your gym from liability claims. While waivers are important to have, and you should always have every member sing your waiver, having a waiver won't prevent accidents from happening. Waivers also won't prevent a lawsuit if the injured party feels they have a claim against your business. Even if you have a waiver, it's important that you also have liability insurance that specifically includes coverage for unstaffed open hours so that you're truly protected in the event of a covered event. -> Learn more about Gym Waivers

Why do you cover 24-hour gyms when other insurers don't?

Finding affordable insurance that covers your 24-hour gym can be hard and expensive, and we're not cool with that. That's why we've made it simple to add 24-hour gym coverage to your policy for a low monthly fee. You'll get all the same coverage as our most popular Gym Liability Insurance, without any tricky 'gotchas', like specific requirements for cameras and key access. You'll just need to make sure your waivers are updated for 24-hour access, and you're good to go. Just one more example of how we're working to make gym insurance better, so that you're free to run your gym as you see fit. -> Learn more about us and our mission

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24-Hour Gym Insurance

What are you most concerned about?

Liability Risk

Cost & Pricing

Property & Equipment

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What is 24-Hour Gym Insurance?

What's typically covered for 24-hour gyms?

Common exclusions to watch for

How much does 24-hour gym insurance cost?

Landlord and COI requirements for 24-hour gyms