Most fitness studios we insure pay about $130 a month, and liability coverage starts at $56. Your policy is built for a studio, so it covers the barre, spin, yoga and Pilates classes you actually teach.
Fitness studio insurance from Gym Insurance by PushPress covers your studio's general liability and professional liability for the classes your instructors teach. You can add property coverage for your equipment.
Your policy covers the classes your studio runs, whether that's barre, spin, yoga, Pilates, dance fitness or rebounding, so you don't need a separate policy for each one.
Barre classes are covered as studio fitness. Your barres, mats and props can go on the policy as studio property.
Spin classes are covered as studio fitness. A room of bikes is usually the most expensive thing a cycling studio owns, so property coverage is worth adding: it replaces the bikes at replacement cost if a fire or a burst pipe damages them.
Mat yoga is covered, and so are infrared and heated rooms. More on yoga studio insurance.
Mat and reformer classes are covered. Add property coverage and your reformers are covered at replacement cost. More on Pilates studio insurance.
Dance fitness and Zumba classes are covered as studio fitness. More on dance studio insurance.
Rebounding classes on mini-trampolines are covered as studio fitness.
Aerial yoga, silks and pole are covered under a separate gym type, aerial yoga. If you teach them, choose aerial yoga when you get your quote. A studio fitness policy doesn't cover aerial classes.
Four coverages do most of the work for a studio.
Covers injury claims from clients and visitors, like a client who slips on a wet floor and holds the studio responsible. Our limits are $1M per occurrence and $3M aggregate. Most leases ask for a $2M aggregate.
Learn more →Covers claims about the teaching, like a client who blames an instructor's cueing for a strained back.
Learn more →Add property coverage and your bikes, reformers, barres, mats and sound system are covered at replacement cost after a fire, a burst pipe or a break-in.
Learn more →Workers' comp covers instructors on your payroll who get hurt at work, and most states require it. We quote workers' comp as its own policy.
Learn more →Liability coverage starts at $56 a month, and the typical fitness studio we insure pays about $130 a month. Generic small-business quotes for the same studio tend to run higher.
Most fitness studios we insure pay between $1,100 and $2,300 a year. These prices were last updated in October 2026, and your own rate moves with your location, studio size and limits. See full pricing details.
We're gym owners. We needed insurance that priced our studios like studios. Nobody was selling it, so we built it.
Gym Insurance by PushPress comes from PushPress, which has 20+ years in fitness and data from thousands of gyms. There's no broker in the middle and no broker fee. Everspan and Starr Indemnity, both A-rated, write the policies, and they're reinsured by global names you'd recognize. We cover studios in the 48 contiguous states.
Run a different kind of gym? See every gym type we cover.
Updated October 20, 2026
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.