Our comprehensive insurance covers almost everything about a gym, but it's still a good idea to double check if you're automatically covered or if you need to opt-in for full coverage. Check out below for more info.
get a quoteFrom $399 or $33.25/mo. for 12 mo.
Like your gym members, we love a good recovery session. Our insurance policies cover your cold plunge pools at no extra cost—and we've partnered with the best plunge pool companies to help you get ready to chill.
Contrast therapy gives us all the hot and cold feels, in a good way. Saunas are covered automatically on our insurance policies—that should give you all the reasons you need to check out our recommendations for top sauna partners.
If tanning is on your members' wish lists, we've made it easy to add tanning beds liability to your gym's insurance policy for an additional fee. Check out our list of recommended tanning bed providers and save on this popular gym amenity.
We're not afraid of heights. Our insurance policies can cover your rope climbs, peg boards, and hanging holds. Click here to learn more about how to add this essential coverage for CrossFit and Functional Fitness gyms to your policy.
After hours? All hours. One of the most popular gym trends today is to give your trusted members 24-hour access to your gym. Our policies can cover your gym at any time, even during an unsupervised, late-night sweat sesh.
Stinky Gis and hot yoga towels making you queasy? Clear the air and help members stay fresh by offering an in-gym laundry service. Not sure how to start? We have recommendations for DIY programs and outsourcing.
Our Gym Insurance+ policies are "open-peril" policies, meaning if it isn’t listed as excluded and it’s a reasonable service for a gym to offer, it’s covered. For example: With our policies, common gym offerings like unlicensed childcare, saunas, and cold plunge are covered. But licensed daycares and tanning beds (unless added) are listed as excluded and are not covered. Non-gym work like auto repair is also not covered.
Most business insurance policies are "open peril" policies, so it's important to look at the exclusions table when you're buying your gym's policy. If you're not sure, it's always good to double check. You can find the complete table of what we explicitly exclude on pages 8-10 of your Gym Insurance+ policy proposal packet.
With many popular gym amenities, we can add them to your policy if they're not automatically included already. We do this with higher-risk amenities, such as tanning beds, to keep insurance prices lower for gyms who don't offer these services.
We don't offer standalone liability policies for specific risks. You'll need to buy your primary general liability policy from us and then you can add additional coverages (if your service isn't already covered!) as needed.
If you already have general liability insurance and your current provider isn't able to cover your newest activity or service, then this is a very good reason to look for another insurance provider who can cover your complete business. You can usually cancel your current policy mid-year and get a pro-rated refund on any premium you've already paid. We can help you double check the fine print in your contract to make sure you don't lose any unnecessary money if you decide to switch.
Send us an email at info@gyminsurance.com and let us know! If we can cover it, we'll tell you. And if it's not part of our program today, we'd still love to hear from you as we work to continuously improve our insurance.
When you add a new amenity, it's a good idea to double check the exclusions listed on your policy. If your new service isn't listed, then it's most likely covered. If you're still unsure, you can always reach out to your insurance support contact and ask them.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.