Most functional fitness gyms we insure pay about $130 a month, and liability coverage starts at $56. Your rigs, barbells and rowers go on the same policy as the classes you coach.
Functional fitness gym insurance from Gym Insurance by PushPress covers your gym's general liability and professional liability for the coaching you do. Add property coverage and your rigs, barbells, rowers, bikes and sleds are covered too, at replacement cost.
When you get a quote, choose Strength and Conditioning as your gym type. It's the gym type built for HIIT, bootcamp, weightlifting and functional fitness gyms, and for CrossFit boxes.
Coaching the squat, deadlift, clean and snatch is covered, whether it's a class or a one-on-one session. Add property coverage for the racks, platforms and bumper plates.
A HIIT class can mix rower and bike intervals, sled pushes, kettlebell circuits and box jumps, and all of it is covered.
Your policy covers bootcamps you run at the gym. To take one to a park or a school field, add off-site classes to your policy, which you can do after you buy.
CrossFit boxes program the same mix of lifting and conditioning. More on CrossFit gym insurance, including what affiliates are required to carry.
If most of your sessions are small group or semi-private, see small group personal training insurance.
Sparring and contact boxing aren't covered on a Strength and Conditioning policy. If you teach them, choose the martial arts gym type instead. More on martial arts gym insurance.
Most gyms start with liability and add property for the equipment.
Pays to defend the gym and settle the claim when a member, guest or visitor says they were injured because of your gym. The limit is $1M per occurrence, $3M aggregate.
Learn more →Professional liability covers claims about the coaching itself, including programming and scaling. If a member blames a workout's programming for a shoulder injury, this is the coverage that responds.
Learn more →If a fire, a break-in or a burst pipe takes out your rig, rowers or plates, property coverage pays to replace them at today's prices.
Learn more →Most states require workers' comp once you have coaches on payroll. It pays their medical bills and lost wages after a work injury, and we quote it as a separate policy.
Learn more →Most functional fitness gyms we insure pay about $130 a month, and liability starts at $56. The chart shows what a broker or legacy carrier typically quotes a gym like yours.
Most functional fitness gyms we insure pay $1,200 to $2,000 a year. We last updated these prices in October 2026. Your own rate depends on where you are, the size of your gym and the limits you choose. See how pricing works.
We're gym owners. We wanted insurance that priced a barbell gym like a barbell gym, and nobody sold it, so we built it.
Gym Insurance by PushPress comes from PushPress, which has been in fitness for 20+ years and has data from thousands of gyms. You buy direct, so there's no broker fee. Your policy is written by Everspan or Starr Indemnity, both A-rated, and reinsured by global names you'd recognize. We insure gyms in the 48 contiguous states.
Run a different kind of gym? See every gym type we cover.
Updated October 21, 2026
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.