Business Owners' Policy (BOP) for Gym & Fitness Businesses

Gym Insurance by PushPress builds your BOP on top of our core Gym Liability package, so you get four essential coverages in one policy:

General Liability (Gym Liability) covers your business if a client is injured at your facility or sues you — including slip-and-fall accidents, equipment-related injuries during classes, and legal defense costs.

Professional Liability covers you if a client claims your instruction, advice, or training program caused them harm. This is especially important for gyms offering coached classes, personal training, or specialized programming.

Commercial Property covers the physical contents of your gym — equipment, flooring, rigs, mirrors, office furniture, and electronics — if they're damaged, destroyed, or stolen. Note: the building structure itself is typically the landlord's responsibility; property coverage protects what's inside.

Our Gym BOP policies also include Business Interruption coverage, which reimburses lost revenue if your gym has to temporarily close due to a covered event like a fire or major equipment damage.

A Business Owner's Policy is the right fit if your gym:

• Owns or is responsible for equipment worth more than a few thousand dollars (rigs, weights, cardio machines, mats)
• Rents a commercial space and your lease requires proof of property coverage
• Would struggle to replace equipment out of pocket if it was damaged in a fire, flood, or theft
• Wants simplified coverage — one policy, one renewal date, one insurer to call

If you're a solo personal trainer working out of a client's home with minimal equipment, the Gym Liability package may be all you need. For any gym with a dedicated physical space and equipment, the BOP is the smarter choice.