General Liability Insurance

Affordable general liability coverage for fitness studio accidents and risks

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From $399 or $33.25/mo. for 12 mo.

Program Highlights

What is eligible for Gym Insurance+?

  • CrossFit WODs
  • Cold plunge pools
  • Saunas
  • Open Gym hours
  • Special events with less than 100 participants
  • Coaching kids under 18 years old (including seasonal programs, like summer camps)
  • Licensed and unlicensed instructors
  • Homemade gym equipment (for gym use, not sale)
  • Supplements and food sales
  • Pegboards
  • Rope climbing
  • Gymnastics-style exercises
  • 24-hour access to the facility with any unsupervised hours
  • Property contents coverage up to $500,000 in value
  • Rented or leased gym spaces
  • Gyms located in the U.S.
  • Coverage for employees and volunteers

What is not eligible for Gym Insurance+?

  • Licensed Daycare or Preschool Operations
  • Rock Climbing Walls
  • Parkour or Tumbling classes or training
  • Acrobatics, acro yoga, or aerial yoga classes (for Aerial Yoga coverage, apply here)
  • Gymnastics studio for children or minors
  • Swimming pools (cold plunge are not considered swimming pools)
  • Special events with more than 100 participants
  • Training for cheerleading, martial arts, boxing, or wrestling (for Martial Arts coverage, apply here)
  • Gyms outside the U.S. and in Hawaii or Alaska
  • Buildings owned by you
  • Gun ranges, shooting ranges, or archery ranges
  • Sports rehabilitation services or sports medicine
  • Tanning beds
  • Tournaments or competitions for any of the following: Full Contact and Submission Mixed Martial Arts, Muay Thai, Kali, Escrima, Savate, Sayoc Kali, Dim mak, Haganah, cage events, extreme, or ultimate fighting
  • Sharp, bladed, and/or projectile weapons used and/or sold (for HEMA coverage, apply here)
  • Training programs for law enforcement, public safety, or military personnel
  • Farm or animal yoga classes
  • Infant (less than 24 months old) classes

Insurance coverages available

  • General Liability
    • Bodily Injury and Property Damage
    • Personal and Advertising Injury
    • Products and Completed Operations
    • Damage to Premises Rented to You
    • Medical Expense
    • Sexual Abuse and Molestation Liability
  • Professional Liability
  • Business Personal Property
  • Hired and Non-Owned Auto Liability
  • Liability for Independent Contractors (non-employees, such as CrossFit trainers)

What do I need to apply?

You can apply online. If you apply online, you'll get a quote instantly.

If you already have liability insurance coverage and would like for us to help you compare policies, contact us and one of our licensed insurance agents will reach out to assist.

How It Works

1. Get your quote

Answer a few questions about your business to get your quote.

2. Review

Licensed insurance agents are here to help if needed.

3. Buy

Coverage starts when you need it. Get your certificate of insurance instantly.

4. Easy support

24/7 online access to your policy documents. File claims and more, all online.

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Frequently Asked Questions

What is general liability insurance?

General liability insurance protects your fitness business from third-party claims of bodily injury, property damage, and related medical costs.

What does general liability cover?

  • Client injuries unrelated to training (slips, falls)
  • Damage to client property
  • Personal injury claims (defamation, copyright infringement)
  • Legal defense costs
  • Medical payments

What factors affect my general liability insurance cost?

Your premium will depend on:

  • Size of your facility
  • Number of members/clients
  • Types of services offered (high-intensity training, pool facilities, spa services)
  • Number of employees
  • Claims history
  • Location
  • Years in business

Why do I need general liability insurance for my gym?

  • Most landlords and property leases require liability coverage for gym spaces
  • Certification organizations often require insurance for personal trainers
  • Some states require insurance for specific fitness licenses
  • Essential for client contracts
  • Covers common gym accidents

What are some claims examples?

  • Member slips on wet locker room floor
  • Client's phone damaged by falling equipment
  • Personal belongings stolen from lockers
  • Injury from faulty equipment
  • Reputational harm from marketing materials

Get covered today

Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.

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