Save big with Next business insurance + download their guide for FREE.

Gym insurance consists of one or more types of commercial insurance. It is designed to protect you from the financial risks associated with common losses. The most common type of gym insurance is general liability insurance, but may also include professional liability and workers’ compensation

It’s never been easier to begin exploring your insurance options online. Your insurance agent will recommend the right combination of commercial policies to cover all the risks your gym or studio might face including general liability, product liability and other liability insurance to protect your business from lawsuits, injuries and property damage common to that industry. Our guide to gym and fitness center insurance will introduce you to a few of our favorite policy providers, help you decide on the types of coverage you need, anticipate your expenses and more.

Best Gym Insurance

Next Business Insurance Next Business Insurance
get started securely through Next Business Insurance’s website
Same Day Coverage?
N/A
Online Application?
Yes
1 Minute Review

NEXT is a business insurance provider dedicated to helping small business owners find affordable, customized policies that fit the unique risks of their industry. NEXT offers a complete suite of the most common business insurance protections that you might need, and you can apply for a policy entirely online.

Getting insurance through NEXT takes less than 10 minutes — simply choose your business type, answer a few questions about your experience and history and purchase coverage. You can adjust your policies and coverage limits to balance cost and protections with just a few clicks. 

Though NEXT’s 100% online model might not be right for everyone, it can be a strong contender for digital natives in search of affordable insurance. 

Best For
  • Small business owners looking for quick, affordable coverage available online
Pros
  • Apply for a policy in as little as 10 minutes
  • Policies customized to industry type and need
  • Discounts available on bundled policies
Cons
  • No option for paper policy application
  • May need to connect with a representative if your occupation isn’t listed
coverwallet coverwallet
get started securely through coverwallet’s website
Same Day Coverage?
No
Online Application?
Yes
1 Minute Review

Shopping for business insurance can be a tedious process. It takes time to collect and review quotes and coverage unless you visit CoverWallet. CoverWallet, an Aon company, makes it easy to get quotes from multiple insurance providers.

With CoverWallet, you can start by talking with an insurance advisor or start directly with quotes. You can get quotes from multiple reputable insurers, including Hiscox, Chubb and Progressive. Choose from a wide range of coverage options to protect every area of your business, including workers’ compensation, general liability and commercial property insurance.

Once you decide on your insurance coverage, you can manage your policies through MyCoverWallet. This online dashboard allows you to send copies of your insurance certificates when needed, file claims and pay premiums. It keeps your policies organized and allows you to reach out to an expert at any time.

CoverWallet also offers extensive educational resources. You can review its recommended coverage by industry. You can also dig into more specific information based on your industry, location, number of employees and annual revenue.

The one drawback to the CoverWallet is that it doesn’t have a mobile app. You can still access the site through your mobile browser and you can call any time for assistance. Overall, CoverWallet makes it easy to shop for and buy business insurance, and it’s an excellent fit for small businesses and the self-employed.

Best For
  • Self-employed
  • Start ups
  • Small to medium businesses
Pros
  • Can get multiple quotes easily
  • Can learn about recommended insurance for your industry
  • Offers many types of insurance
Cons
  • No mobile app
B2Z B2Z
Get Started securely through B2Z’s website
Disclosure: B2Z is available in the following states: Arizona, Colorado, Georgia, Idaho, Illinois, Indiana, lowa, Kansas, Kentucky, Michigan, Minnesota, Missouri, Montana, Nebraska, Nevada, North Carolina, Oregon, Pennsylvania, Tennessee, Texas, Utah, Virginia, Washington, Wisconsin.
Same Day Coverage?
N/A
Online Application?
Yes
1 Minute Review

Tired of buying insurance for your small business the old-fashioned way? Forget about waiting around for that insurance agent to call you back. Now, B2Z has launched a full suite of insurance policies, including cyber insurance, workers’ compensation, professional liability and business owner’s policies (BOP). The B2Z platform uses AI to create personalized coverage just for you—all in as little as 5 minutes.

B2Z offers small business insurance in a language everyone understands. Easy applications, mobile claims and digital quotes are just a few of the ways B2Z makes buying insurance for your business fast and easy. Affordable, too.

Best For
  • One-Stop-Shop Coverage
  • Shopping Online
  • Hassle-Free Cancelation for Old Policy
Pros
  • User-friendly online portal
  • Multiple products
  • Digitally-based
  • AI-driven
  • Data sourcing
Cons
  • No phone call needed
  • No brick and mortar
  • Too fast-paced for some
The Hartford The Hartford
get started Call Now securely through The Hartford’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

The Hartford is a leader in casualty and property insurance. It brings more than 200 years of experience in developing and providing insurance products. The company uses a quote-based pricing scheme to offer insurance in 2 main segments: commercial and personal lines. 

Its commercial segment serves over 1 million small businesses. The personal segment offers only nationally-endorsed home and auto insurance through the AARP® Insurance Program. The Hartford sells its products mainly through a network of independent brokers and agents. 

The company is also a 12-time honoree for the world’s most ethical companies according to The Ethisphere Institute. It delivers the name recognition and reputation of an experienced insurance carrier.

Best For
  • Those looking for an experienced insurance provider
  • Multiple coverage options with 1 carrier
Pros
  • More than 200 years of insurance experience
  • Provides online quotes
  • Has a solid financial rating
  • Offers a wide range of commercial insurance products
Cons
  • Pricing is entirely quote-based
Simply Business Simply Business
Get started securely through Simply Business’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

When you’re a small business owner, you have a lot on your plate. Finding the best insurance policies for your business probably isn’t on the top of your list. Simply Business makes it easy to get the coverage you need. It’s a digital small business insurance agency, which means it offers coverage from multiple insurance carriers. 

With Simply Business you can compare quotes and coverage options from multiple companies to determine what’s best for you. Simply Business works with top providers like Hiscox, Travelers and Axis Insurance Company. 

You can get policy options online in less than 10 minutes, and if you need more guidance or have questions, its licensed agents are just a phone call away. 

Simply Business is a great fit for small businesses and sole proprietors. You can look at its recommended insurance options based on the type of work you do, whether it’s landscaping, accounting or photography. 

While Simply Business doesn’t handle your claim directly (the provider you decide to purchase from does), it’s there to help you if you run into any issues. It can get you new copies of your policy documents and help you get in touch with your provider if you need assistance. 

If reviewing or buying business insurance has been on your to-do list, Simply Business is an excellent place to start. You can get a quote while you take a coffee break. 

Best For
  • Small business owners
  • Sole proprietors
Pros
  • Quick quote process
  • Licensed agents to assist you
  • Can choose from top insurance providers
Cons
  • No mobile app
Thimble Business Insurance Thimble Business Insurance
get started securely through Thimble Business Insurance’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

It’s not often that you see something new in the insurance space but Thimble has come up with something unique — flexible small business insurance. You can buy liability insurance policies by the month, the day or even by the hour. Even better, you can apply in under 60 seconds. In this Thimble review, we’ll dive into how it works and how it can benefit your business. 

Best For
  • Handymen, landscapers and contractors
  • Self-employed individuals
  • Seasonal business owners
  • Freelancers who do multiple types of work
Pros
  • Flexible general liability and professional liability policy options
  • Fast application process
  • Ability to pause monthly coverage
  • High-quality mobile apps
Cons
  • No 24/7 Customer Support

What Gym Insurance Covers

There are a lot of things that can go wrong in a gym and you don’t want to be personally liable for the claims. Gym insurance mitigates the costs associated from claims. If you own a gym or fitness center, you might not be aware of all the potential legal liabilities and financial risks you take when you conduct your day-to-day operations. Possible risks include:

  • Injuries or fatalities to customers or employees
  • Incorrect advice from trainers or instructors
  • Food poisoning or allergic reactions from food or beverages
  • Broken equipment
  • Defective products
  • Data breaches

Types of Gym Insurance

Gym insurance is any insurance policy underwritten to cover the specific risks of a gym. It can consist of one or more policy combinations to cover different aspects of risk. The specific types of insurance you’ll want to purchase will vary depending on the structure of your business, the state where your business operates, the number of clients you have and more. Each type of insurance provides coverage under its own specific set of circumstances, and you can combine policies to fit your unique needs.

Let’s take a look at some of the most common types of insurance protections that gym owners use to protect their businesses. 

General Liability Insurance

General liability insurance is the most common insurance purchased by business owners because it covers claims from third-parties stating you are responsible for their losses. Most general liability insurance policies include the following coverages:

  • Third-party bodily injury: This coverage helps you pay for legal expenses if a customer makes a claim against you or makes a claim for medical expenses after being injured on your property.
  • Third-party property damage: This coverage helps you pay for legal expenses if a customer makes a claim against you or makes a claim as a result of an employee damaging their property at your business.  It also protects you if an event occurs that results in a loss that you are held liable for., such as a burst pipe that damages a customer’s laptop.
  • Advertising damages: This coverage helps you pay for legal expenses like settlement and judgement costs in situations such as if a competing gym or fitness center accuses your business of copyright infringement or defamation and brings you to court.

General liability insurance is a must-have coverage for all gym owners because injuries are common as are other typical incidents that occur to all businesses. 

Commercial Property Insurance 

Commercial property insurance is a type of insurance protection that helps you pay for repairs and replacements if  your physical space or business equipment are damaged. Commercial property insurance is similar to homeowner’s insurance because it provides you with a list of covered “perils” when you sign onto your policy. Some examples of common covered perils include fires, burglaries and vandalism.

If your property is stolen or damaged during a covered peril, your commercial property insurance will help you cover the costs of restoration up to your policy limits. Specialized commercial property insurance policies may be required for certain types of expensive fitness equipment. 

Depending on your gym’s circumstances, you may need an additional policy or a rider to your existing policies to cover personal trainers or yoga instructors working at your gym as self-employed contractors. A discussion with your insurance agent will help you determine additional coverages your business needs or if you must require your trainers to carry their own business insurance.

Business Owners Policy (BOP)

If you need both commercial property insurance and general liability insurance, consider purchasing a comprehensive BOP instead of seeking both of these coverages from different providers. A BOP is a single policy that combines a general liability insurance policy and a commercial property insurance policy with a single premium from one provider.

Most business owners prefer to purchase a BOP instead of purchasing both of these coverages individually because insurance providers offer discounts on both coverages when you bundle them together.

Professional Liability Insurance 

Professional liability insurance helps you cover the cost of legal expenses if a client decides to sue you for negligence. This insurance is a must-have if your gym offers fitness classes or personal training services.  

Professional liability insurance isn’t the same type of protection as general liability insurance. General liability insurance will provide coverage for claims of negligence made against your business as a whole, while professional liability insurance extends to claims of negligence made against your work. Say you mop a floor, a client slips and falls and then decides to sue you for the cost of his or her medical bills; this situation would be covered under your general liability insurance. 

On the other hand, imagine a client signs up for personal training services and doesn’t see the progress promised by his or her trainer. If that client decides to sue your business or make a claim for negligence or failure to provide services paid for, your professional liability insurance would provide you with coverage because this claim specifically applies to your business services. 

Using self-employed contracted workers paid via 1099-NEC rather than as W-2 employees can change the game in the kind of professional liability insurance you buy. Work with your agent and be sure to provide honest information about how your business works to make sure you are completely protected.

Workers Compensation Insurance

Workers compensation insurance is a type of protection that compensates your employees if they’re injured while performing work-related responsibilities. For example, if an employee falls off a ladder while changing a lightbulb and sprains his or her ankle, workers compensation insurance will typically help pay for medical bills while the employee recovers. If an employee loses his or her life as a result of a work-related injury, workers compensation may also help cover funeral expenses.

Many states require that business owners carry some form of workers compensation as soon as they hire their 1st full-time or part-time employee. However, coverage requirements vary by state. If you have at least 1 employee on your payroll, be sure to speak with a local representative to learn more about how much of this protection your business needs to carry.   

Cost of Gym Insurance

The specific price that you’ll pay for your gym insurance will vary depending on a wide range of factors. Some of the data that your insurance provider might use to determine your rates may include:

  • Value of your training equipment: From free weights to treadmills and specialized training equipment (like ballet barres or deadlifting safety belts), your gym probably has thousands of dollars’ worth of equipment on site. As the value of your training equipment rises , your insurance costs will increase because you have more to lose in the event of a fire or act of vandalism.
  • Number of employees you have: If you have more employees on your payroll, you’re statistically more likely to need to file a workers compensation claim. Expect your insurance to become more expensive as you add members to your gym’s training family.
  • Types of services you offer: Physical fitness and exercise come with inherent risks. Some types of activities, however, have a higher risk of physical injury than others. An insurance provider may want to assess the risks associated with each activity or class you offer before calculating your insurance premiums.
  • Your claims history: If you’ve made a claim with your business insurance in the past, you’re more likely to need to file another insurance claim in the future when compared with a business owner who has never needed to file. Expect to pay more for coverage if you have a claim on your record.
  • Your location: Some areas are more likely to suffer damage from a natural disaster or targeted crime than others. If your business is located in an area where damage is statistically more likely to occur, you’ll pay more for your commercial property insurance.

The average gym owner can expect to pay around $75 per month for their workers’ compensation insurance, about $70 per month for a BOP and $35 per month for professional liability insurance. 

How Gym Insurance Works

The term “gym insurance” doesn’t refer to a singular specific policy. Instead, it considers  a set of common coverages that gym owners use to fill in multiple coverage areas in which they may face an expense.

As a general rule, we recommend that gym owners maintain a comprehensive general liability insurance policy as well as a commercial property insurance policy with a high-enough coverage limit to protect all of their gym’s training equipment. You may be able to save money on both of these coverages by combining them on a single BOP. If your gym provides personal training services or classes, you should also consider adding a professional liability insurance policy.

Depending on the nature of your business, where you live and the number of employees you have, you may not need a workers compensation policy. Speak with a local insurance representative to learn more about coverage minimums in your area.

Best Gym Insurance

No matter where you operate your business, you’ll have dozens of choices when it comes to selecting a gym insurance provider. Not sure where to begin your search? Consider getting a quote from a few of our top-recommended insurance providers below. 

Best for General Liability: The Hartford

Hartford’s general liability insurance policy can help protect you when others claim that your business caused bodily injury or damaged their property.

Some common features that Hartford’s liability policies typically include are paying third parties, not the policyholders, legal defense fees and protecting you and your employees.

get started Call Now securely through The Hartford’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

The Hartford is a leader in casualty and property insurance. It brings more than 200 years of experience in developing and providing insurance products. The company uses a quote-based pricing scheme to offer insurance in 2 main segments: commercial and personal lines. 

Its commercial segment serves over 1 million small businesses. The personal segment offers only nationally-endorsed home and auto insurance through the AARP® Insurance Program. The Hartford sells its products mainly through a network of independent brokers and agents. 

The company is also a 12-time honoree for the world’s most ethical companies according to The Ethisphere Institute. It delivers the name recognition and reputation of an experienced insurance carrier.

Best For
  • Those looking for an experienced insurance provider
  • Multiple coverage options with 1 carrier
Pros
  • More than 200 years of insurance experience
  • Provides online quotes
  • Has a solid financial rating
  • Offers a wide range of commercial insurance products
Cons
  • Pricing is entirely quote-based


Best for Hard-Training Gyms: Liberty Mutual

get started securely through Liberty Mutual’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

Business owners who are looking for a wide range of coverage options are likely to find everything they need through Liberty Mutual. From worker’s compensation coverage to protections against acts of terrorism, there are very few coverages that Liberty Mutual isn’t able to offer. While you might pay a bit more for your coverage with Liberty Mutual than you would with a smaller insurance provider, you might appreciate the company’s wide range of local branches and easy-to-operate mobile offering.

Best For
  • Any type of company that needs specialized protections
  • Companies that need multiple coverages
  • Companies looking for help customizing their policy
Pros
  • Massive list of coverages and coverage options
  • Top-quality customer service
  • Ability to work with independent agent
Cons
  • Premiums may be more costly


Best for Gym Owners: CI.net

This provider does the shopping for you so you can save hours of time getting quotes. Best of all, CI.net works with over 200 of the best commercial insurance carriers in the country to get you quality coverage for less.

get started securely through CommercialInsurance.net’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

Shopping for commercial insurance can be a daunting task. You need to contact multiple insurance companies, ask each for quotes on the different types of insurance and then finally compare quotes to make the best choice.

Or you could simplify things and visit CommercialInsurance.net. With CommercialInsurance.net, you can easily get quotes on the insurance you need from multiple reputable insurance companies like Progressive, The Hartford and Liberty Mutual Insurance. You can get a quick quote online or give CommercialInsurance.net a call. 

CommercialInsurance.net can connect you with all types of business insurance, including general liability, commercial property and workers’ compensation insurance. It’s best for business owners who want to save time and money by getting insurance quotes from multiple providers with 1 quote request.

Best For
  • Busy business owners
  • Comparing insurance policies
Pros
  • Easy quote process
  • Quotes from multiple insurers at once
Cons
  • No mobile app
  • No tools for managing multiple policies from different providers


Best for Gym Start-Ups: CoverWallet

Cover Wallet, trusted for its responsive agents, strives to provide the right type of insurance for your gym, promising and delivering on immediate coverage with your certificate of insurance emailed to you in minutes.
Signing up for insurance is easy with ready-to-go packaged deals.

get started securely through coverwallet’s website
Same Day Coverage?
No
Online Application?
Yes
1 Minute Review

Shopping for business insurance can be a tedious process. It takes time to collect and review quotes and coverage unless you visit CoverWallet. CoverWallet, an Aon company, makes it easy to get quotes from multiple insurance providers.

With CoverWallet, you can start by talking with an insurance advisor or start directly with quotes. You can get quotes from multiple reputable insurers, including Hiscox, Chubb and Progressive. Choose from a wide range of coverage options to protect every area of your business, including workers’ compensation, general liability and commercial property insurance.

Once you decide on your insurance coverage, you can manage your policies through MyCoverWallet. This online dashboard allows you to send copies of your insurance certificates when needed, file claims and pay premiums. It keeps your policies organized and allows you to reach out to an expert at any time.

CoverWallet also offers extensive educational resources. You can review its recommended coverage by industry. You can also dig into more specific information based on your industry, location, number of employees and annual revenue.

The one drawback to the CoverWallet is that it doesn’t have a mobile app. You can still access the site through your mobile browser and you can call any time for assistance. Overall, CoverWallet makes it easy to shop for and buy business insurance, and it’s an excellent fit for small businesses and the self-employed.

Best For
  • Self-employed
  • Start ups
  • Small to medium businesses
Pros
  • Can get multiple quotes easily
  • Can learn about recommended insurance for your industry
  • Offers many types of insurance
Cons
  • No mobile app


Best for Yoga Instructors and Personal Trainers: Simply Business

Get started securely through Simply Business’s website
Same Day Coverage?
Yes
Online Application?
Yes
1 Minute Review

When you’re a small business owner, you have a lot on your plate. Finding the best insurance policies for your business probably isn’t on the top of your list. Simply Business makes it easy to get the coverage you need. It’s a digital small business insurance agency, which means it offers coverage from multiple insurance carriers. 

With Simply Business you can compare quotes and coverage options from multiple companies to determine what’s best for you. Simply Business works with top providers like Hiscox, Travelers and Axis Insurance Company. 

You can get policy options online in less than 10 minutes, and if you need more guidance or have questions, its licensed agents are just a phone call away. 

Simply Business is a great fit for small businesses and sole proprietors. You can look at its recommended insurance options based on the type of work you do, whether it’s landscaping, accounting or photography. 

While Simply Business doesn’t handle your claim directly (the provider you decide to purchase from does), it’s there to help you if you run into any issues. It can get you new copies of your policy documents and help you get in touch with your provider if you need assistance. 

If reviewing or buying business insurance has been on your to-do list, Simply Business is an excellent place to start. You can get a quote while you take a coffee break. 

Best For
  • Small business owners
  • Sole proprietors
Pros
  • Quick quote process
  • Licensed agents to assist you
  • Can choose from top insurance providers
Cons
  • No mobile app

Best for Customization: Hiscox Insurance

Hiscox Insurance is a small business insurance provider that can help you whether you are hiring your first employee or simply looking for a more formidable policy. Discounts for multiple policies are available, there are no added fees and you may adjust your payment options to meet the needs of your budget.

When you register with Hiscox, you can look into policies that include:

  • Small business owner insurance
  • Errors and omissions
  • General liability
  • Professional liability

You can speak with a licensed insurance advisor over the phone, reach out via email or review the resources section to learn more about your insurance options.

compare quotes securely through Hiscox’s website
Same Day Coverage?
N/A
Online Application?
Yes
1 Minute Review

Hiscox, a business insurance company headquartered in Chicago, specializes in policies for small businesses. You’ll find general liability, professional liability and property insurance offered through brokers and online.

If you’re just starting out and hiring new employees, Hiscox is a great option.

Best For
  • Small businesses
  • Businesses hiring their first employee
  • Businesses with part-time or full-time employees
Pros
  • Specializes in small businesses
  • Offers a discount for bundling policies
  • No added fees for monthly payment option
Cons
  • Not the best option for larger businesses

Getting Coverage for Your Gym

Remember, every insurance provider uses its own unique formula to determine what you’ll pay for coverage. It’s possible to find 10 insurance policies with the exact types of coverages and coverage limits at 10 completely different price points.

We recommend getting a quote from at least 3 of our 6 recommended gym insurance providers. Getting a quote takes as little as a few minutes but can potentially save you hundreds of dollars by the time you choose a policy.

Related content: Best Insurance Courses