Insurance designed for gyms with 24/7 access, key fobs, and unstaffed hours.
Covers injury claims from after-hours and unstaffed use, and gives you the certificate your landlord asks for.
24-hour coverage extends your gym liability policy to the hours no staff are on site. If someone is hurt at 2 am and holds your gym responsible, the policy pays for your legal defense and any settlement, the same as during 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.
Most gym owners think of 24/7 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.
24-hour coverage is an add-on, about 15% of your general liability premium. We try to keep our pricing simple so that you understand what you're paying for and why. If you're getting quotes from multiple insurance providers, they may also calculate your price based on whether you're using key fobs and the number of after-hours members you're admitting. You can see our full pricing breakdown and learn how we calculate your initial general liability quote.
Most gym landlords will require proof of general liability coverage when you move into your gym's space, and unstaffed hours are no exception. If you're planning to be open 24/7, your landlord will also want to confirm that your policy covers you during the entire day.
Learn more about landlord and insurance requirements, including how to interpret their requests for being added as an additional insured and including primary/non-contributory wording on your Certificate of Insurance (COI).
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-hour access to your existing policy, and then you're good to go. -> Learn more about General Liability coverage
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
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
24-hour access is an add-on, about 15% of your general liability premium. -> Gym Insurance Cost Explained
A little. 24-hour access is an add-on, about 15% of your general liability premium. -> Gym Insurance Costs Explained
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.
We don't require that you use a certain company or system for giving your members 24-hour 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.
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 keep them for your records. -> Learn more about Gym Waivers
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 sign 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
We don't automatically deny a claim because you can't produce a signed waiver. Some insurers do exactly that, so it's worth asking whoever you're comparing. If there's a claim, we review the waiver as part of the investigation, and having one on file for every member is extremely helpful. This matters for 24-hour gyms because of tailgating: a guest who slipped in behind a member never signed anything, and you could still face a claim if they get hurt. -> Learn more about Gym Waivers
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 as an add-on. 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. -> Learn more about us and our mission
Updated October 28, 2026
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.