You're in the best pricing tier.

Your business has a strong risk profile. Nice work! You’re doing many of the right things insurers look for: consistent supervision, certified staff, updated equipment, and clear safety protocols. These factors make your gym more insurable and can help you qualify for lower premiums and broader coverage options.

But even low-risk gyms can leave money on the table. Small improvements in first aid training or waiver management could further reduce your liability exposure and improve your leverage when comparing quotes. We’ll help you understand how to sharpen your risk advantage—and what other discounts are available to you.

You’re mostly solid, but there are a few reasons your premium might be higher.
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You’re doing a lot right, but there are a few areas that might raise eyebrows for insurance carriers. Things like offering 24-hour access, martial arts sparring, or rope climbs don’t necessarily disqualify you, but they can affect how your business is underwritten and what you’ll pay.

The good news: Insurance providers who specialize in insuring gym businesses understand these risks better than other insurers. We'll help you understand how to get the lowest insurance price for your gym and we'll discuss specific questions you can ask when you're comparing quotes so you’re not overpaying.

You’re at risk of being declined—or overpaying.

Your gym operates in a high-risk zone from an insurance standpoint - whether that’s due to physical therapy offerings, contact-heavy training styles, or lack of supervision or waivers. These factors don’t just raise your rates, they may limit which carriers will insure you at all.

But don’t panic. Risk doesn’t mean you’re uninsurable, it just means you need to be smarter and more strategic. We'll help walk you through exactly why each factor matters, what steps you can take to protect your business, and what to ask when speaking with any insurance provider so you get the right coverage without overpaying.