General and professional liability for gyms and fitness studios, in one policy.
From $56/mo.
Gym liability insurance is the policy that responds when someone blames your gym for an injury. A member slips on the wet floor by the water fountain. A client's shoulder goes after a session, and they say the program caused it. When that turns into a claim or a lawsuit, the policy pays for your lawyer and any settlement.
Gym Insurance by PushPress puts general and professional liability in one policy. The typical gym we insure pays about $110 to $135 a month, depending on the kind of gym. Kids' classes, your sauna and the cold plunge in the corner are covered as part of running your gym.
This is the coverage most people mean when they say gym insurance, and it's the one your landlord will ask about. General liability is for what happens in your space. A cable snaps on the lat pulldown and hits a member, a parent waiting on their kid's class trips on a curled mat by the door, or a guest's phone ends up under a dropped plate.
If they hold your gym responsible, general liability covers their claim and pays for your defense. You have $1M per occurrence and $3M in total for the policy year.
Professional liability is the coaching side. A client says a coach pushed them into a heavy single they weren't ready for, or that the program you wrote them hurt their back. Those claims are about your instruction, and general liability isn't built for them. Your policy includes $1M of professional liability at the same price.
If someone sues, the policy pays for your lawyer and court costs. On general liability, defense costs don't count against your limits, so a long case leaves the full $1M for the claim itself. Defense on a professional liability claim does come out of its $1M limit.
| Coverage | Limit |
|---|---|
| General liability, each occurrence | $1,000,000 |
| General liability, aggregate | $3,000,000 |
| Products and completed operations | $2,000,000 |
| Personal and advertising injury | $1,000,000 |
| Damage to premises you rent | $300,000 |
| Professional liability | $1,000,000 |
Your employees and unpaid volunteers are covered under general liability from the day your policy starts, and you don't have to list them.
Contract coaches paid on a 1099 take a couple of extra steps. You add each one to your general liability for a small per-person fee. For professional liability, a 1099 coach is covered once they've signed a contract-worker agreement with your gym, and a volunteer who coaches needs a written coaching agreement. It has to be signed before anything happens, so the easy habit is to have every new coach sign on their first day.
Liability insurance is for claims from other people. If your own rig, bikes or build-out are damaged, that's property coverage, which you can add through the Gym BOP. If a coach on your payroll strains a wrist moving a rower, that's workers' comp, and we quote it as its own policy.
Hours with no staff on site need our 24-hour add-on, which costs about 15% of your general liability premium. A few activities are excluded no matter when they happen, and you can see the list before you quote.
If you're opening a gym, your lease is probably what sent you looking for this. A typical gym lease asks for $1M per occurrence and $2M aggregate in general liability, and ours carries $1M and $3M.
You can name your landlord as an additional insured at no charge, and add primary and non-contributory wording or a waiver of subrogation if the lease asks for them. If it also asks for 30 days' notice of cancellation, we can add that too. Your certificate of insurance is free and in your account as soon as the policy is active, and you can make a new one yourself whenever your landlord asks.
If you've bought gym insurance before, you've seen how it usually goes. Insurers that didn't know gyms priced them like a risky business. Then specialty programs figured out gyms were a good risk, but kept the price high and added membership fees, program fees and certificate fees on top.
We're gym owners. We needed insurance that priced our studios like studios. Nobody was selling it, so we built it. PushPress has been in fitness for over 20 years and has data from thousands of gyms. Our policies are written by A-rated carriers and reinsured, and there are no broker fees.
Most owners quote and buy online in a few minutes, and coverage can start the same day. If you'd rather talk to someone, our customer service team works with gym owners every day. You don't need PushPress software to buy it.
Gym liability insurance is a policy designed to protect fitness facility owners from financial losses caused by third-party injuries, property damage, or professional negligence claims. It typically combines general liability coverage, which handles slip-and-fall accidents, equipment injuries, and premises incidents, with professional liability coverage, which protects against claims related to training errors, program design, or inadequate instruction.
There's no universal law requiring gym liability insurance (also called public liability insurance), but in practice most gym owners need it. Commercial landlords almost always require proof of general liability coverage before you sign a lease. Most ask for $1M per occurrence and $2M aggregate, and you can buy online and download your certificate of insurance the same day. Affiliate agreements, like CrossFit's, and franchise agreements require liability insurance as a condition of membership. If you have employees, most states also require workers' compensation.
Even where no one requires it, running a gym without liability coverage means paying for any lawsuit yourself. Member waivers don't take the place of insurance, since courts can throw out a poorly worded one, and a visitor who never signed one isn't bound by it. Our guide to liability waivers explains where they fall short. You can compare providers of CrossFit gym insurance side by side.
A gym liability policy covers:
The typical gym we insure pays about $110 to $135 a month, depending on gym type. With Gym Insurance by PushPress, coverage starts at $56/mo with no upfront buy-in fees. Your premium is fixed for the policy term, with no end-of-term audit of your revenue or membership. To see how the top providers stack up on price and coverage, compare the best gym liability insurance providers.
General liability covers physical incidents at your gym, like someone tripping, getting hit by equipment, or having their property damaged. Professional liability (also called errors and omissions) covers claims that come from your coaching and services, like a trainer giving advice that leads to an injury, a program designed unsafely, or a fitness assessment that misses a red flag. Most gym owners need both, which is why Gym Insurance by PushPress bundles them together.
With Gym Insurance by PushPress, $1M of general liability per occurrence starts at $56 a month, and that price also includes a $3M aggregate limit and $1M of professional liability.
Most gyms need general liability and professional liability, which pay when someone holds your gym responsible for an injury at the gym or from your coaching. If you own equipment or have built out your space, add property coverage. Once you hire employees, you'll need workers' comp in most states too. Our gym insurance coverage guide walks through each one.
Yes. Abuse and molestation coverage is included at $300,000 per person, and your quote shows the aggregate limit for your state.
General liability is written on an occurrence basis, and professional liability on a claims-made basis. If you have a professional liability policy with another insurer now, we can match its retroactive date for an added premium, so claims about coaching from before you switched are still covered. Send us your current declarations page and we'll add it.
Yes, if you add off-site coverage. It covers classes and coaching you run away from your gym, like a park bootcamp or a pop-up, for a small added premium, and you can add it after you buy. Liability at a competition you travel to isn't included today.
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.