Most gym owners will need only these two insurance polices:

• General Liability Insurance for Gyms: Protects against claims related to accidents or injuries.
• Professional Liability: Safeguards against errors in training or advice.

We also offer (and strongly recommend!) that you consider buying Business Personal Property insurance (sometimes called Commercial Property or just Property Insurance). Property claims are the #1 insurance claim for small gyms (not liability or medical) and you want to be covered from risks such as fires, theft, and vandalism. You can even be impacted if your neighbors have a fire or other covered event. This policy covers your business equipment and lost income up to the amount you decide to insure, so you have total freedom to decide exactly how much insurance you want to buy.

• Commercial Property Insurance: Covers damage to gym equipment and facilities.

If you have W2 employees, your state likely requires that you also have Workers' Compensation (sometimes called Workman's Comp). Whether or not you need this varies by state laws and the number of W2 employees you have. Certain states also require you to have Workers' Comp insurance if you have 1099 contractors who 'act' like employees.

• Workers’ Compensation: Provides protection for employee injuries.
  

Yes, we likely do! There are so many different kinds of gyms and fitness studios out there, that we think it's easier to say which kinds of gyms we can't cover (yet!). Check out that list here: What We Can't Cover

It’s simple. Complete our online quote form with your business details, and you’ll quickly receive competitive rates from leading insurance providers—fast, free, and with no obligation.

Yes, we cover the complete CrossFit Affiliate program. WODs, rope climbs, box jumps, handstands, tumbling, rowers, bikes, everything. If you want to double check on anything, just ask us.

We also cover Open Gym hours. If the gym is staffed (even if the Open Gym isn't directly supervised), you don't need to add any extra coverage. If the gym isn't staffed (after-hours, 24/7 access), then you'll want to add our 24-hour gym coverage.

We do! Training, sparring, grappling is all good for any combat sport, including BJJ, Taekwondo, Muay Thai, kickboxing, and more.

Yes, we cover kids classes, training, and coaching for any kid ages 2 years old and up. You can also have kids (including infants) on site while their parents work out. Our only exception for childcare is that you can't be a registered daycare facility (learn more about that here).

Yes, we do! 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 are accessing the facility at their own risk.