Find out how much Jiu Jitsu liability insurance costs and what affects your premium
Gym Insurance+ offers customized Jiu Jitsu liability insurance that's tailored to your unique gym. Gym Liability insurance can cost as little as $13/month.
Almost half of our customers pay less than $99/month and 77% of our customers pay under $150/month. Here is the breakdown of what other gym owners like you pay for this type of coverage:
Here are our median costs for monthly gym liability insurance at other popular types of gyms:
The price you pay for your Jiu Jitsu gym's liability insurance is determined by several factors, including:
The type of training you offer
For Jiu Jitsu gyms specifically, we don't charge you more if you're training Gi, No Gi, sports Jiu Jitsu, or traditional styles. We also don't charge more if you teach kids classes and adult classes.
But if you're offering MMA training and using an octagon or boxing ring for sparring, we will charge a little more for this riskier styles of training. While uncommon, we also need to charge more if you're offering supplementary training, like rope climbing.
How much revenue your gym earns each year
Your revenue helps us get an understanding of the number of gym members and the level of liability risks you have, without us needing to ask you to keep us updated on every new member you add or lose. Even though it might be tempting to put a lower number here and save more on your premium, you shouldn't fall into this trap. Having an accurate number for your estimated revenue is important, since this number can impact how much we'll pay you in the event that you need to file a claim. It's important that your insurance covers your entire business.
Where your gym is located
Location is a big factor in your insurance cost, and it's unfortunately, unavoidable in certain areas. If you're in a coastal region that's prone to hurricanes, an area with lots of tornados, or a region with high risk of forest fires, your premiums will likely be higher than if your gym is in a part of the U.S. with a lower risk for these natural disasters.
How big your gym is
Bigger gyms tend to have more members and more equipment, so we do look at your gym's sq. ft. size when pricing your policy.
If you offer extra amenities at your gym
It depends what you're offering, but there might be an extra charge added to your premium for certain amenities. Tanning beds are surging in popularity again, and you can add coverage for these to your policy for a surcharge. 24-hour access to your gym also comes at an additional cost. Certain amenities, such as cold plunge pools and infrared saunas are included at no extra charge.
Childcare is one amenity that can be hard to find affordable insurance to cover. The distinction is between licensed daycares and a simple childcare amenity. Before you decide on what you want to offer here, make sure you research how it can affect your insurance coverage and premiums.
Your insurance premium is the amount you'll pay each month or every year for your insurance coverage. We calculate your premium by looking at your business based on the information you share with us. We also consider the Jiu Jitsu industry as a whole, as this helps us best understand how likely you are to make a claim or need additional coverage.
Gym Insurance+ customizes your coverage to fit your exact business needs. After you answer a few questions in our instant quote questionnaire, we'll share the price for your Jiu Jitsu gym insurance with you instantly.
Because you can get your quote quickly online, the process to get your gym covered is easy and fast. You can get coverage starting today in just a few minutes, although if you need help from a licensed insurance agent, we're only an email or phone call away.
There are several things you can do that can help you reduce your insurance costs and lower your premium:
Keep your risk level low
The best way to do this is to make sure you're buying an insurance policy that's designed for your specific gym. Our Jiu Jitsu insurance coverage is designed by fellow gym owners and Jiu Jitsu students, so our insurance covers the risks that we know apply to a Jiu Jitsu gym.
Learn from previous claims
If you've ever had an insurance claim, you'll know that your rates can go up the year after you make a claim. If you can take steps to prevent future claims, even if they're not explicitly requested by your insurance company, it can make a big difference.
Some examples are: implementing regular equipment checks if you've had claims caused by equipment accidents, adding fire extinguishers around your gym if you've had a fire-related claim, cleaning bathroom floors after hours so they have time to dry if you've had slip and fall accidents. Having a safer gym for your members is just good business, and it's a nice bonus if it helps you keep your insurance premiums down.
Pick the right limits and deductible
When you're comparing quotes for your gym's insurance policy, some providers might give you options to choose higher or lower limits on your policy. This decision is really up to you, if you want to have higher limits just in case, or if you want to save on your premiums and risk having lower limits. You might also have requirements on your minimum limits from your landlord, so make sure you double check any contracts before you make your final decision on your insurance limits.
Bundle more than one policy
If you buy all of your insurance through one provider, they'll often give you a discount on the bundled package. It's usually a good idea to buy your General Liability, Professional Liability together. We offer this as a bundled Gym Liability insurance package. If you're buying Business Personal Property, or Property, insurance, then you can also usually save more by buying it together with your liability package.
Save more by paying annually, rather than monthly
Most providers will add a service charge or financing fee to monthly payments. If you're able to pay your entire annual premium up front, you can often save 5% or more.
You can start an instant quote with Gym Insurance+ to see our prices for your gym. We'll ask you some questions about your business, and then we'll create a customized insurance quote for your gym.
If you decide to purchase your insurance from us, you'll be covered as soon as the policy start date you enter (it can be today!) and you'll get access to unlimited ceritificates of insurance instantly.
Buying your insurance through Gym Insurance+ can be done entirely online, but if you have questions or want to discuss your coverage with a licensed insurance agent, our U.S.-based insurance team is here to help.
Get your free quote today.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.