Gym Insurance Cost and Coverage

What Type of Insurance Should a Gym Have?

Seguro para negocios coverage can help protect your gym and fitness center from the liabilities you face every day. When it comes to gym insurance coverages, there are two types that are most common and especially important for small business owners to have:

General liability insurance helps protect your business from claims of bodily injuries, property damage and reputational harm.
Professional liability insurance, which can help cover claims of errors or omissions in the professional services that your business provides.

To learn more about these coverages, obtener una cotización from us today. We can help you get the policies you need at an affordable price. So, whether you’re leading fitness classes or cleaning exercise equipment, we’ve got you covered.

How Much Does Gym Insurance Cost?

Gym insurance costs vary. On average, general liability insurance costs $805 annually.** Some factors that influence how much you’ll pay for GL coverage include your:

Risk exposure
Business location
Years in business
Type of business
Límites de la cobertura
Claims history

To learn more about how much it would cost to insure your gym, health club or fitness studio get a quote today.

what type of insurance should a gym have

Who Needs Gym Insurance?

At a minimum, gym and fitness center owners should have liability coverage to keep their small businesses protected from risks. We offer business insurance made for lots of different exercise locations and small gyms, such as:

Personal trainers
Yoga and Pilates studios
Membership health clubs
Boutique fitness studios
Fitness facilities

Protecting Your Gym's Operations

Accidents and injuries happen every day. That’s why it’s important to protect your gym and fitness center with business insurance we’ve tailored to the needs of gym owners.

In 2021, exercise equipment accounted for about 409,000 injuries, the most in any category of sports and recreation.¹

Client Injury

“A customer was using an exercise machine at our health club when it suddenly broke. He ended up injuring his back and sued us for negligence.”

Professional liability insurance can help protect your business against lawsuits that claim the services you’ve provided caused a customer harm. Even if you did nothing wrong, your client can still sue if they believe you've made a mistake.

Slip and Fall

“One of my customers slipped while inside our fitness studio. She landed wrong on her wrist and ended up needing medical attention.”

General liability insurance can help cover bodily injury and property claims against your business. This liability coverage can help pay for your customers medical treatment.

Protecting Your Gym's Team

We know that the health and safety of your team is important to keeping your gym running successfully. That’s why making sure you have the right gym insurance to protect your business is essential.

In 2021, there were 2.6 million workplace injuries and illnesses reported by employers in the United States.²

Employee Car Accident

“Our trainers attend local events to promote our gym. One of them was on his way to host a charity fitness class when he rear-ended someone in our company car. The accident caused quite a bit of damage.”

Commercial auto insurance can help cover the costs of an auto accident while you or an employee uses a company-owned car for business.

Employee Injury

“One of our trainers was entering the weight room when he slipped on a puddle of water and twisted his ankle. The doctor diagnosed a sprain and time off to heal.”

Workers’ compensation insurance can help cover work-related injuries and illnesses. It can help pay for employee injuries that happen while on the job at your small business.

Protecting Your Gym's Property

Gym owners fill their health clubs and fitness studios with expensive exercise equipment to give customers the best options for their training levels and goals. That’s why having gym insurance created to specifically protect gyms and fitness centers is so important. Having the right insurance coverage can make all the difference when a disaster happens.

In 2021, total economic losses from natural and man-made disasters were around $112 billion.³

Daños a la propiedad

“We rent space for our gym and fitness center in an older building. When one of the outlets sparked inside the wall, it started a fire, causing tons of damage.”

Commercial property insurance can help cover property damage to your owned or rented building, including damages from a fire.

Weather Damage

“We had some serious wind damage and a tree down on our building’s roof after a storm. We had to close our gym for over a month until it was safe to bring clients back in.”

Business interruption insurance can help replace income you lose if you can’t open temporarily after a covered loss, like property damage.

Gym Insurance That Has Your Back

Keep your gym and fitness center running strong with gym insurance customized to fit your needs and protect your business.

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Find out more about other beauty and wellness professions we insure:

Last Updated: November 16, 2023

¹ Insurance Information Institute, “Facts + Statistics: Sports injuries.”

² United States Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2021.”

³ Swiss Re Institute, “Global insured catastrophe losses rise to USD 112 billion in 2021, the fourth highest on record, Swiss Re Institute estimates.”

** Premium amounts presented are based on monthly premium paid by The Hartford's Small Business customers between 1/1/22 and 9/14/23 for 12-month policies. Premium is derived from a number of factors specific to your business and may vary.

Divulgaciones adicionales a continuación.

Gym Insurance Fit for Your Business