From a CrossFit box to a barre studio, most gyms get lumped together and mispriced by carriers who treat every fitness business like a big-box health club. We price your gym like what it actually is, and put your space, your staff, your instructors, and your gear on one policy.
Gym Insurance by PushPress covers gyms and fitness studios of nearly every kind on one policy: general liability, professional liability for the training you provide, and coverage for your equipment. Whether you run a CrossFit box, a martial arts academy, a yoga or Pilates studio, or a barre, spin, HIIT, or dance studio, your policy is built and priced for the gym you actually run. Coverage starts at $24 a month, and most gyms and studios we insure pay about $115 to $140 a month. See full pricing by gym type or compare the best gym insurance providers.
We write most kinds of gyms and studios. Find yours below for the coverage and pricing built for it. Don't see your exact gym? It almost certainly fits under one of these, and we cover it.
CrossFit, functional fitness, HIIT, bootcamp, weightlifting, and small-group training. Barbell work, gymnastics-style skills, rope climbs, and homemade rigs are all covered, and CrossFit affiliates get the $1M / $3M limits, additional insureds, and free certificates their affiliation requires.
Yoga, Pilates, barre, indoor cycling and spin, dance fitness, and cardio down to rebounding. Your bikes, reformers, and mats are covered as studio property, and aerial or silks classes are covered when you select the aerial business type, which many insurers won't do.
Brazilian jiu-jitsu, boxing, karate, kickboxing, Muay Thai, MMA, and mixed academies. Training, sparring, grappling, and ring or cage instruction are all covered, plus kids' classes ages 2 and up. Full-contact tournaments and sanctioned competition aren't on the standard policy.
Membership gyms, health clubs, and 24-hour or unstaffed facilities. Staffed open-gym hours are included; unstaffed or 24-hour access is a small add-on, about 15% on the liability portion, with a waiver that members enter at their own risk.
Recovery studios with sauna, cold plunge, and compression, which many insurers exclude. The clinical services we don't cover are cryotherapy, IV therapy, and laser, which need their own policy.
A gym policy is built from a few core coverages. Which ones you need depends on the gym you run.
Covers third-party injury and property-damage claims, like a member who slips on a wet floor or trips over a piece of equipment. Our standard limits are $1M per occurrence and $3M aggregate, enough for most leases and affiliations.
Learn more →Covers claims tied to the instruction and training you provide, like a member who says a coaching mistake or bad programming caused an injury. It protects how the training was delivered, not just the condition of your space.
Learn more →Covers your equipment, from racks and reformers to bikes and mats, when property is on the policy. It also includes business interruption, which replaces lost income if a covered event like a fire forces you to close.
Learn more →Covers employee injuries on the job and is required in most states. It's always a separate policy from your liability coverage, and for martial arts gyms it's bought elsewhere entirely.
Learn more →Your landlord goes on the policy as an additional insured at no extra cost, so you can send a certificate of insurance the same day you sign.
The everyday situations your policy is built to handle.
Coverage starts at $24 a month, and most gyms and studios we insure pay about $115 to $140 a month. Here's the typical range and median by gym type.
Typical figures are median premiums across the gyms we insure (pulled June 2026); your exact rate depends on your gym type, size, location, and coverage limits. See the full breakdown on gym insurance cost.
See what's not covered for the full list.
We're gym owners. We needed insurance that priced our gyms like gyms. Nobody was selling it, so we built it.
PushPress has spent 20+ years in fitness, with data from thousands of gyms and no broker fees stacked on top. We're A-rated and backed by giants: underwritten by A-rated carriers (Everspan and Starr Indemnity) and reinsured by global names you'd recognize. Available in the 48 contiguous states.
Run one of these? Go straight to its page for the details and pricing built for your gym type.
We insure most kinds of gyms and studios: CrossFit and strength gyms, martial arts academies, yoga and Pilates studios, barre, spin, HIIT, bootcamp, and dance studios, traditional membership gyms, 24-hour facilities, and recovery studios. If your gym type isn't listed, it almost certainly fits under one of the gym types we cover. See what we can't cover here.
Yes. CrossFit, functional fitness, HIIT, bootcamp, and weightlifting are standard strength-and-conditioning operations for us, covered under one liability and professional-liability policy. Learn more about CrossFit insurance here.
Yes. Indoor cycling and spin are standard studio operations, covered as a studio, with your bikes covered as studio property when property is on the policy. Coverage starts at $24 a month.
Yes. HIIT and bootcamp training are standard on our strength-and-conditioning coverage, and group classes are covered like any other class you run. One policy covers the gym, your coaches, and your equipment, not just an individual instructor.
Yes. Rebounding and mini-trampoline fitness classes are acceptable as normal studio operations. Full-size trampoline setups and trampoline parks are a different risk we look at separately, so tell us at quote.
Yes. Brazilian jiu-jitsu, boxing, karate, kickboxing, Muay Thai, and MMA academies are covered as martial arts gyms. Learn more about martial arts insurance here.
Yes. Dance-fitness and Zumba-style cardio classes are covered as studio operations, with general liability, professional liability for instruction, and equipment coverage on one policy. Coverage starts at $24 a month.
Yes. Aerial yoga is covered, even though many insurers decline it for the suspension and height involved. Just select aerial yoga as your business type when you apply so it's on your policy. Learn more about yoga insurance.
Yes. Kids' classes, training, and coaching are covered for children ages 2 and up, and kids can be on site while a parent works out. The one exception is that we can't cover a licensed daycare or infant classes.
Yes. You can add 24-hour or unstaffed access to your policy for a small surcharge, about 15% on the liability portion. The only requirement is a liability waiver stating that no staff are present and members enter at their own risk. See 24-hour gym insurance.
Yes. Sauna, cold plunge, and compression are covered automatically, even though many general insurers exclude them. Swimming pools and clinical services like cryotherapy, IV therapy, and laser are not covered. See cold plunge and sauna coverage.
A fitness studio needs general liability for member injuries, professional liability for the instruction you provide, and property coverage for your equipment, usually on one policy that also lets you add your landlord for a lease. Coverage starts at $24 a month.
Coverage starts at $24 a month. Most gyms and studios we insure pay about $115 to $140 a month depending on your gym type. See full pricing by gym type here.
Yes. Your landlord is added as an additional insured at no extra cost, so you can send a certificate of insurance the same day you sign a lease.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.