General Liability Insurance for Gyms and Fitness Studios

Most insurance companies learn about your gym from a form. We learned about it from running one.

Gym Insurance+ was founded by Dan Uyemura - CrossFit box owner, founder of PushPress (a leading gym management platform trusted by thousands of gyms), and someone who spent years overpaying for insurance. After hearing from gym owners across the country paying "fitness premiums" for coverage that didn't include things like 24-hour access, cold plunges, or competitive grappling, he decided to build something better.

Our team is made up of current and former gym operators. When you call us with a question about open mat liability or youth programming coverage, you're talking to people who already understand what you're describing.

That expertise shows up in the coverage. And in the price.

Most Gym Insurance+ customers save up to 50–60% on premiums when they switch. Not because we cut corners, but because we built our program around fitness-specific data, not retail industry averages.

General liability insurance is the core coverage every gym needs. Here's what it means in practice:

• ‍Someone gets hurt on your property. A member slips on a wet floor. A visitor trips over equipment. General liability covers their medical bills and your legal costs if they come after you.‍
• Something gets damaged. A client's phone gets crushed by a dropped plate. A vendor's equipment gets wrecked during an event. Covered.‍
• Someone makes a claim against your business. A competitor says your marketing called them out unfairly. A member says something you posted damaged their reputation. General liability covers your legal defense.‍
• You're coaching kids or running events. Youth programs, summer camps at your gym, and events up to 100 people are all included. No separate policy needed.

That's the core of it. Protection for the real situations gym owners face.

We cover the activities that actually happen in modern gyms, not just the easy stuff:

• BJJ, martial arts, and combat style training
• CrossFit WODs and open gym hours
• Coaching kids under 18, including seasonal programs and summer camps
• Cold plunge pools and saunas
• Rope climbing, pegboards, gymnastics-style movements
• 24-hour access including unsupervised hours
• Events with up to 100 participants
• Homemade gym equipment (used in your gym, not sold)
• Rented or leased spaces
• Employees and volunteers

All policies are backed by A-rated carriers — Everspan Insurance Company (AM Best 'A-' Excellent) and Starr Specialty Insurance Company (AM Best 'A' Excellent). You get the flexibility of a platform built for gym owners, with the financial backing of two industry heavyweights.

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General Liability is the foundation, but most gym owners add at least one or two of these:

• ‍Coaching & instruction coverage. If a client gets hurt because of how you programmed or coached them, a Professional Liability policy covers those claims. This coverage is so essential, we bundle it on all our general liability policies.‍
• Equipment & property coverage. Covers replacement costs for your mats, barbells, rigs, monitors, and everything else. You set the value up to $1M.‍
• Independent contractor coverage. We can add coaches and trainers to your policy for only $35 per person per year.
• Offsite training. If you're teaching weekly classes at the local high school or church, you'll want to add coverage that protects you when you're regularly coaching away from your main gym.

CrossFit HQ requires proof of General Liability and Professional Liability insurance to maintain your affiliate status. Gym Insurance+ meets all of those requirements and is backed by A-rated, state-regulated admitted carriers. We'll give you the documentation to prove it.

You don't have to buy through CrossFit's own insurance program to stay compliant. This saves you even more money because we don't charge a $1,000 membership buy-in fee or a $350/year broker fee.

PushPress has been a CrossFit Affiliate Partner for over 10 years. We know what it takes to run a CrossFit gym, and we've built our insurance program to make sure you're completely covered.

See how we compare to CrossFit RRG -> 

Most business insurance policies were written with a cycling class in mind, not a BJJ open mat or a Muay Thai sparring session. That gap matters when a claim gets filed.

Gym Insurance+ covers a wide range of martial arts disciplines (BJJ, Muay Thai, Karate, Taekwondo, Kickboxing, MMA, HEMA, and more) with professional liability included with every general liability policy. That means if a claim is about how a technique was taught or how a session was coached, you're covered for that too, not just slip-and-fall accidents.

Participant medical payments are also included as standard (up to $25,000). That means a member's injury can get handled quickly, without waiting for a lawsuit to determine fault.

For martial arts gyms specifically, traditional insurance providers have historically been harder to work with. Our program was built to fix that by giving you competitive pricing, online quoting in under 5 minutes, and a team that already knows what open mat and kids' grappling classes look like from an operations standpoint.

See our Martial Arts Insurance page -> 

Your COI is available 24/7 from your online account. Download it in minutes. No phone calls, no waiting, no fees. Landlord needs one tonight? You've got it.

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