Typical pricing for gyms, studios, and training facilities, plus what actually affects your rate.
Gym Insurance by PushPress offers customized gym liability insurance that's tailored to your unique gym. The typical gym we insure pays about $126 a month ($1,512 a year), and about two-thirds pay under $150 a month. Here is the breakdown of what other gym owners like you pay for this type of coverage:
A number of factors determine how much you pay for your gym's liability and property insurance. Here is how your gym insurance premiums are calculated, so you can figure out the coverage you need without overpaying.
Certain types of training carry higher injury risk, and therefore higher claims. Sports with sparring or contact (like jiu jitsu), or where members are elevated off the floor (like aerial yoga), carry higher liability rates.
When you request a quote, we'll ask what kind of gym you own. Pick the closest match so your policy covers your activities completely, and if you're not sure, just ask. For niche training that isn't automatically included, you can add it on for an additional cost.
It's also worth insuring the amenities you've added. Tanning beds can be added for a surcharge, while cold plunge pools and infrared saunas are included at no extra charge. Childcare is another common amenity, and we'll ask whether you run a licensed daycare or simply offer a childcare service.
To understand your total insurable business size we look at three things: revenue, location square footage, and the cost to replace your equipment.
Revenue helps us gauge your member count and liability risk without asking you to report every new member. It's tempting to understate it to save on premium, but the revenue you report is the amount we cover, and it directly affects what we pay out on a claim. Be accurate so your policy actually protects your whole business.
Square footage is a fast, surprisingly accurate proxy for risk. Bigger spaces usually mean more people, more equipment, and more ways something can go wrong. Equipment value drives your Business Personal Property premium, so include replacement costs for everything: mirrors, computers, lockers, flooring, and your gym equipment.
A 24-hour gym carries extra risk. Members are unsupervised, so you'll want coverage for injuries and other claims during after-hours sessions, plus protection for your equipment off-hours. We make it simple to add 24-hour coverage for an extra 15% on your premium.
Location is a big factor for Business Personal Property premiums. Higher natural-disaster risk means higher rates, and in especially high-risk areas like coastal hurricane regions you may need to buy property insurance from a state-run provider.
Most states (only Texas is exempt) require workers' compensation once you have W2 employees over a certain count. Some states, like California, extend the requirement to 1099 contractors on your payroll.
A large past claim can raise your renewal rates, and most insurers ask about prior claims when you apply. Be honest: future claims can be denied if your application is found to be inaccurate. Not all claims are viewed the same way, and you can ask an insurer to review your application once you explain what happened.
Even with no claims, you can take steps to prevent them: run and document regular equipment checks, add extra fire extinguishers and fire blankets, and clean bathroom floors before or after hours so they dry before members arrive.
Insurers may offer higher or lower limits, and higher limits cost more. A safe bet for most gyms is $1M per occurrence and $3M aggregate for general liability, plus $1M for professional liability. Check your lease or affiliate agreement for required minimums before you decide.
Buying everything through one provider usually earns a bundle discount. It's typically smart to buy general and professional liability together as a bundled Gym Liability package, and to add Business Personal Property coverage to the same policy to save more.
Here is what gym owners actually pay, by gym type. These are median monthly premiums from the gyms we insure.
Medians across the gyms we insure, by class, pulled June 2026. Your rate depends on your training, facility size, location, and coverage limits.
Figuring out whether you're getting a good insurance deal can feel frustrating. You answer questions about your business and watch the price climb with each detail, or worse, get told your gym can't be covered because of something you do.
We can't promise you'll dodge every frustrating insurance interaction, but we offer an alternative: a policy built to cover your specific gym, from a company run by fellow gym owners who want to see you succeed.
In the quest to save a few dollars, the biggest mistakes we see are gym owners who skip property coverage, accept a strict requirement to collect waivers from every member, or assume a membership or brokerage fee means a better deal.
If you're seeing lower prices elsewhere, we can help you compare those quotes with ours. We're here to support your business, and we'll genuinely celebrate if you find great insurance for an even better price than we can offer.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.