Not all gym insurance covers the same things. Here's exactly what a Gym Insurance by PushPress policy covers, what you can add, and what it doesn't, across every gym type.
Gym insurance covers the cost of member injuries, lawsuits, and damage to your equipment and space. A standard gym policy pairs general liability (for injuries like slips and falls) with professional liability (for coaching and training errors). Most gyms also add business personal property coverage for their equipment and workers' compensation once they have employees. Coverage starts around $24/mo, and most gyms pay $99 to $150 per month, all backed by an A-rated carrier. See full pricing by gym type or compare the best gym insurance providers.
A standard policy includes the core coverages every gym needs, with more you can add and a short list of higher-risk activities it doesn't include.
| Included on every policy | |
|---|---|
| ✓ | General and professional liability |
| ✓ | Member injuries (slips, trips, falls, equipment) |
| ✓ | Kids training, ages 2 and up |
| ✓ | Childcare, unless you're a licensed daycare |
| ✓ | Cold plunge and sauna |
| ✓ | Open gym and open mat hours, when staffed |
| ✓ | Special events, up to 100 participants |
| ✓ | Dogs on-site, when not part of the training (like goat yoga) |
| ✓ | Boxing and ring/cage instruction (martial arts) |
| ✓ | Aerial yoga (select it as your business type when you apply) |
| Available as an add-on | |
| + | Business personal property, including business interruption (equipment, build-outs, lost income) |
| + | Workers' compensation |
| + | 24-hour unstaffed gym access |
| + | Tanning beds and batting cages |
| + | Rock climbing gyms (separate cost) |
| Not covered on standard policies | |
| ✕ | Full-contact tournaments and sanctioned competition |
| ✕ | Cheerleading, parkour, and kids' gymnastics |
| ✕ | IV therapy, cryotherapy, and physical therapy |
| ✕ | Gun and archery ranges |
| ✕ | Swimming pools |
| ✕ | Trampoline parks and ninja-style facilities |
| ✕ | Law enforcement and military training programs |
| ✕ | Commercial cooking or food prep on premises |
| ✕ | Licensed daycare and infant ("Mommy and Me") classes |
Your policy is built to cover everything a normal gym does, unless it's specifically excluded. If an activity isn't on the not-covered list (or available as an add-on), it's already included. Not sure where your gym falls? See the full list of what we can and can't cover or just ask us.
These are the best, most cost-effective limits for a gym, and they meet what most leases and affiliations require. If your landlord asks for higher limits, we recommend asking them to accept these standard limits instead, rather than paying for more coverage than a gym needs.
| Coverage | Standard limit |
|---|---|
| General liability | $1M per occurrence / $3M aggregate |
| Professional liability | $1M aggregate |
| Certificates of insurance | Free and unlimited |
Here's what each coverage does and when it kicks in.
General liability protects your gym when someone is injured or their property is damaged and they hold you responsible. It can cover your legal defense, settlements, and damages up to your policy limits, from slip-and-fall and trip-hazard claims to equipment-related injuries and injuries to guests like parents, vendors, or prospects touring the gym.
Professional liability covers claims that a trainer, coach, or staff member made an error in instruction, supervision, or guidance that contributed to an injury, such as a member alleging they were taught improper form or pushed beyond their safe limits. It protects you when the allegation is about how the training was delivered, not the condition of your facility.
Business personal property covers the physical things you've invested in against covered events like fire and smoke, water damage from a burst pipe, theft, vandalism, and wind or storm damage. In a gym that's your strength and cardio equipment; turf, mats, and flooring; mirrors, TVs, computers, and POS systems; furniture and fixtures; and inventory you sell. If you rent your space, it also covers tenant improvements like build-outs and flooring. You choose the amount to insure, so you control exactly how much coverage you buy.
Business interruption (sometimes called business income) replaces lost revenue and covers ongoing expenses if a covered property event, like a fire or major water damage, forces you to close temporarily. It can cover lost membership revenue, fixed costs like rent and payroll, and the added costs of keeping the business running, such as renting equipment or relocating to a short-term space. It keeps cash flow stable so a temporary closure doesn't turn into a long-term setback.
Business interruption comes as part of the business personal property add-on, not as a standalone policy.
If you have W2 employees, workers' compensation is required by law in most states. It covers their medical bills and lost wages if they're hurt on the job, like a coach injuring their back re-racking weights. Some states also require it for 1099 contractors who act like employees.
Gym Insurance by PushPress is a great fit for martial arts, CrossFit, functional fitness, yoga, pilates, and more. Not seeing your gym type? Contact us and we'll reply quickly.
We cover a wide range of martial arts at the best martial arts insurance price, including Brazilian Jiu Jitsu, Taekwondo, Karate, Historical European Martial Arts (HEMA), kickboxing, MMA, and Muay Thai. Training, sparring, grappling, and boxing or ring/cage instruction are all covered. Full-contact tournaments and sanctioned competition (full-contact or submission MMA, Muay Thai, Kali, Escrima, Savate, cage events, and extreme or ultimate fighting) are not covered on the standard policy. Learn more about martial arts insurance here.
Our policies cover standard functional fitness training such as cardio, weightlifting, gymnastics-style exercises, and rope climbs, plus Open Gym hours when the gym is staffed (add 24-hour coverage if it's unstaffed). Homemade gym equipment is fine to use, though the policy won't cover your liability for equipment you manufacture and resell. CrossFit Affiliates have specific requirements from CrossFit LLC, and our policies meet them all:
Kids' classes are included on a standard policy for ages 2 and up, and childcare is covered as long as you're not a licensed daycare. Waivers are extra important when you're training kids. Learn more about gym waivers here.
Yoga and pilates studios are generally considered lower-risk by insurance providers, so nearly all activities are covered on a standard policy under the same conditions above. Aerial yoga is covered too, which many insurers won't do; just select it as your business type when you apply so it's on your policy.
Most insurers won't cover 24-hour unsupervised gyms. We can add it to your policy for a small surcharge, covering both liability and equipment damage during unstaffed hours. The only requirement is a liability waiver acknowledging that no staff are present and members access the facility at their own risk. Learn more about 24-hour coverage here.
It's very common for gyms to be asked to add another organization to their policy as an additional insured. The most common requests come from landlords and property managers and affiliation or governing organizations (for example, CrossFit LLC).
Adding an additional insured means that partner is included under your general liability policy for claims connected to your gym's operations at the covered location. In plain English: if your gym is sued and the landlord or affiliation group is named in the lawsuit, adding them as an additional insured helps ensure they're protected under your policy for that situation.
Landlords request it to avoid getting pulled into claims caused by a tenant's business; it's usually a standard lease requirement. Affiliation groups often require it as part of the affiliation agreement to be protected if someone alleges their brand or standards contributed to an incident at your gym.
What it does and doesn't mean:
Most gym owners need only two policies: General Liability for accidents and injuries, and Professional Liability for errors in training or advice.
We also strongly recommend Business Personal Property coverage, since property claims are one of the most common claims for small gyms (think fire, theft, or vandalism, including damage that starts with a neighbor). It covers your equipment and lost income up to the amount you choose to insure.
If you have W2 employees, your state likely requires Workers' Compensation as well. Some states also require it for 1099 contractors who act like employees.
Gym insurance starts around $24/mo, and most gyms pay between $99 and $150 per month. Your exact rate depends on your gym type, location, payroll, and the coverage limits you choose.
Our standard limits ($1 million per occurrence and $3 million aggregate for general liability) are the most cost-effective limits for a gym and satisfy most lease and affiliation requirements. If your landlord asks for higher limits, we recommend asking them to accept these standard limits instead, since they're typical across the industry and cover what a gym realistically needs. We'll provide a certificate of insurance and name your landlord as an additional insured at no extra cost.
Yes, we likely do. We cover martial arts, CrossFit, functional fitness, yoga, pilates, strength and conditioning, and most other gym and studio types. There are so many kinds of gyms out there that it's easier to say which ones we can't cover yet. See the full list of what we can't cover here.
Yes, we cover the complete CrossFit Affiliate program: WODs, rope climbs, box jumps, handstands, gymnastics-style movements, rowers, and bikes. If you want to double-check anything, just ask us.
We also cover Open Gym hours. If the gym is staffed (even when the Open Gym isn't directly supervised) you don't need extra coverage. If it's unstaffed (after-hours or 24/7 access), add our 24-hour gym coverage.
We do. Training, sparring, and grappling are all covered for any combat sport, including BJJ, Taekwondo, Muay Thai, kickboxing, and more. Full-contact tournaments and sanctioned competition are excluded on the standard policy.
Yes. Boxing and ring or cage instruction are covered on a standard martial arts policy, along with training, sparring, and grappling. The exception is full-contact tournaments and sanctioned competition, which aren't covered on the standard policy.
Yes, aerial yoga is covered, even though many general insurers won't cover it because of the suspension and height involved. Just select aerial yoga as your business type when you apply so it's on your policy. As with any higher-movement class, a signed liability waiver is always a good idea.
Yes, we cover kids classes, training, and coaching for any child ages 2 and up. Kids and infants can also be on site while their parents work out. The only exception is that you can't be a licensed daycare facility, and infant ("Mommy and Me") classes are not covered.
Yes. You can easily add 24-hour coverage to your policy. Our only requirement is that your liability waiver includes a statement acknowledging that no staff are present and that members access the facility at their own risk.
Yes. Your Gym Insurance by PushPress policy automatically covers these popular gym amenities, which many general business insurers exclude. (Swimming pools are not covered.)
Yes, if you add Business Personal Property coverage, your gym equipment, mats, and flooring are protected against covered events like fire, theft, vandalism, and water damage from a burst pipe. You choose the amount of coverage you want.
Yes, tanning beds can be added to your gym insurance policy for an additional fee.
It's simple. Complete our online quote form with your business details and you'll quickly receive competitive rates. It's fast, free, and comes with no obligation.
This page was created with the help of AI and is meant as a general guide, not a statement of coverage or a legal document. Your actual policy, including its exact coverages and exclusions, is what determines what's covered. When in doubt, ask us or check your policy documents.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.