These activities are not included on your policy as they pose a higher risk for injuries and liability claims.
Because swimming pools come with their own unique risks for drowning and injury, they fall outside of a gym's coverage.
Perhaps no explanation needed, but guns, archery, and shooting ranges are not eligible coverage on a gym owners' policy.
Not the same as 'childcare' services, a licensed daycare has other insurance requirements that differ from a gym business.
Babies and dogs on site are okay, but "Mommy and Me" and "Goat Yoga" style classes are excluded.
Some recovery treatments are more risky than others, and are not eligible for coverage.
Physical therapy requires medical malpractice insurance, which falls outside of coverage.
Most rock climbing walls exceed our height restrictions and we can't cover climbing gyms.
Comparison information above is provided using publicly available information as of 12/16/2025 and is only meant to summarize program features, not a specific plan. Review each provider’s plan terms for more details. We work to provide fair and accurate comparison information. However, it may change from time to time and may not be updated immediately. If you are aware of any inaccuracies in the information provided, please email us at info@gyminsurance.com
Claims happen, and we don't believe you should be penalized forever. Our limit for past claims is three years, which is very short compared to other gym insurance providers. We'll also ask you to explain more about the claim to us. If it was a property claim (and most are), then we can usually get approval to waive our 3 year limit on past claims. If it was a liability claim, it's still worth telling us your story. In most cases, we're able to make an exception and help you get affordable coverage.
We still might be able to help you find coverage. It's worth reaching out and seeing if you get a quote with us. Our team reaches out to everyone who gets declined in our application, so we'll discuss your unique situation with you and see if there's a way we can still help you get covered.
No! Cold plunge pools are not swimming pools. Cold plunge pools are automatically covered on your policy with us.
In our experience, most gym owners whose applications are denied because they were overthinking their answers, not because we can't cover their gym. We review every single application that's denied, and we'll reach out within a few days to discuss the decline reason with you to make sure it's right for your business. If you can't wait to hear from us, you can email info@gyminsurance.com and we'll take a look right away.
There are certain gym activities that are simply too risky for us to be able to cover and keep our prices low for everyone. If you're struggling to find coverage for your gym, send an email to info@gyminsurance.com and we'll see if we can make a recommendation for you.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.