Ever wonder how insurance companies decide what to charge your gym? It’s not just about your square footage or location—your programming, staffing, and operations all factor into your risk score.
Take our quick quiz to uncover how insurers see your gym business, what that means for your price, and what you can do to save.
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 facility 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 documentation, waiver management, or service setup could further reduce your liability exposure and improve your leverage when comparing quotes. Inside this report, we’ll show you how to sharpen your risk advantage—and what smart questions to ask when shopping for insurance.
You’re mostly solid, but there are a few reasons your premium might be higher.
You’re doing a lot right, but there are a few areas that might raise eyebrows for insurance carriers. Things like offering kids’ programs, having older equipment, or only partial CPR coverage don’t necessarily disqualify you, but they do affect how your business is underwritten and what you’ll pay.
The good news: Most of these risks can be mitigated with a few operational changes or better documentation. In your report, you’ll find practical tips for lowering your risk profile and specific questions to ask when you're comparing quotes so you’re not overpaying just because of a couple gaps.
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. Your personalized report will 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.
We’ll send you a free, customized report that outlines the key risk factors insurers look at—and how they may be driving up your price. It’s a handy reference you can use when comparing quotes to help you ask smarter questions and make sure you’re not overpaying for coverage.