Here's what a Gym Insurance by PushPress policy covers, what you can add, and what it doesn't.
Gym insurance covers you when someone gets hurt at your gym and holds you responsible (general liability), when a member says your coaching caused an injury (professional liability), and, if you add property coverage, when fire or water from a burst pipe damages your equipment (business personal property).
Liability coverage starts at $56/mo, and most gyms pay under $150 per month. See full pricing by gym type or compare the best gym insurance providers.
| Included | |
|---|---|
| ✓ | General and professional liability |
| ✓ | 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 |
| ✓ | Events you host at your gym, apart from the large events listed below |
| ✓ | Your own dog at the gym when it isn't part of training |
| ✓ | Boxing and ring/cage instruction, on martial arts policies |
| ✓ | Aerial yoga, when you choose it as your business type |
| Available to add | |
| + | Business personal property (equipment and build-outs) and business interruption (lost income) |
| + | Workers' compensation, as a separate policy (not for martial arts gyms; Ohio, North Dakota, Washington and Wyoming gyms buy it from the state) |
| + | 24-hour unstaffed gym access |
| + | Tanning beds and batting cages |
| + | Rock climbing gyms (separate cost) |
| Not covered on standard policies | |
| ✕ | 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 |
| ✕ | Fitness classes with babies or animals taking part (baby yoga, goat yoga) |
| ✕ | Events with more than 100 participants in a session that are also open to the public, charge an entry fee on top of membership dues, charge spectators, or have an outside sponsor |
| ✕ | Competitions away from your gym |
| Coverage | Standard limit |
|---|---|
| General liability | $1M per occurrence / $3M aggregate |
| Professional liability | $1M aggregate |
General liability pays your legal defense, settlements, and damages when a member, a parent, a vendor or a prospect on a tour is hurt at your gym and makes a claim against you.
Professional liability covers claims that a coach's teaching or supervision caused an injury, such as a member alleging they were taught improper form or pushed beyond their safe limits.
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 and hail. In a gym that means:
You choose the amount to insure. A machine that fails mechanically isn't a property claim; that repair is a warranty question for the manufacturer.
Business interruption (sometimes called business income) pays for lost membership revenue and ongoing costs like rent and payroll while covered property damage keeps your gym shut, plus the extra cost of keeping the business going, such as renting equipment or moving to a short-term space.
Lost income cover comes with the business personal property add-on and isn't sold on its own.
If you have W2 employees, workers' compensation is required by law in most states. Workers' comp 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 workers' comp for 1099 contractors who act like employees.
We cover a wide range of martial arts, including Brazilian Jiu Jitsu, Taekwondo, Karate, Historical European Martial Arts (HEMA), kickboxing, MMA, and Muay Thai, from everyday training to sparring and grappling. If you're planning a competition or tournament, tell us when you quote and we'll confirm what's covered for your event. Our martial arts insurance page goes deeper.
Our policies cover standard functional fitness training such as cardio, weightlifting and gymnastics-style exercises. Rope climbs are covered too, as a paid add-on you choose when you quote. Homemade gym equipment is fine to use, though the policy won't cover your liability for equipment you manufacture and resell. Our standard limits meet the insurance requirements CrossFit LLC sets for affiliates; see how we compare on CrossFit gym insurance.
If members can get in when no staff are there, we can add 24-hour access to your policy as a small add-on for liability 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. Our 24-hour gym coverage page has the details.
Landlords and property managers often ask to be added to your policy as an additional insured, usually as a standard lease requirement. Affiliate groups like CrossFit LLC often require additional insured status in the affiliate agreement, and we can add them on a primary and non-contributory basis.
If someone sues over your gym's operations and names your landlord or affiliate group alongside you, your general liability covers them for that claim.
A gym needs general liability and professional liability, and we sell the two together on one policy.
Anyone on your payroll is covered under general and professional liability automatically. Contract (1099) coaches work differently: professional liability covers their teaching only if they signed a contract worker agreement before the incident, so get one signed when a coach starts.
General liability doesn't include a 1099 coach by default. Adding a 1099 coach as an additional insured costs $25.50 a year per coach, or the coach can carry their own policy.
If your landlord asks for more than our standard limits, we recommend asking them to accept those limits instead. We'll name your landlord as an additional insured at no extra cost.
Yes. Babies and toddlers can stay in your kids' room while their parent trains; the age-2 minimum is only for children taking part in a class.
No. A sauna or cold plunge at your gym is covered automatically as part of running the gym.
Not on general liability. Legal defense is paid on top of your $1 million per occurrence limit, so the full limit stays available for a settlement. Professional liability works differently: defense costs count toward its limit.
Not from an audit. Your premium is set for the policy term, and we don't audit your revenue or membership count at the end of it. It moves only if you change your coverage, for example by adding property or a 1099 coach.
This page 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.
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Updated October 26, 2026