Coverage
Insurance coverage for gyms and fitness studios
The core lines a fitness business carries, led by the two that define this class — general liability for a member hurt on the floor you own, and professional liability for the instruction you gave. Each links to a full breakdown.
General Liability Insurance
The foundation policy — third-party bodily injury and property damage, built around the exposure that defines this trade: a member hurt on your floor, on your equipment, in your class. Premises and participant injury together, with honest treatment of what a signed waiver does and does not do.
Learn more →Professional Liability Insurance
The instruction itself — the programming, the form correction, the spotting call, the modification offered to a member working around an injury. This is the advice you gave; general liability is the floor you own. The signature seam of this brand, and a manuscript-form conversation where that is true.
Learn more →Workers Compensation Insurance
Your staff, not your members — trainers demonstrating under load, the repetitive strain of teaching a full class schedule, and the front-desk and floor crew. Same injury mechanisms as a member claim, an entirely different line, with honest handling of the monopolistic state-fund states.
Learn more →Commercial Auto Insurance
The vehicles a fitness business owns or uses — and an honest accounting that many gyms and studios own none, where hired and non-owned auto is the exposure that actually shows up when staff run an errand, move equipment, or drive to an offsite event.
Learn more →Commercial Property Insurance
Your building or leased space and everything in it — racks, platforms, machines, flooring systems, mirrors, and the HVAC that keeps a full room breathable, where equipment value concentrates densely in one space. Includes the business income that stops when the doors close. The rack that breaks is property; the member it lands on is general liability.
Learn more →Umbrella Liability Insurance
Excess limits above general liability, commercial auto, and employers liability — the layer that answers a severe member-injury claim which exhausts the policy beneath it, and the limit a landlord or franchisor writes into the lease or the franchise agreement. Never a standalone answer.
Learn more →Not sure what you need? Get a quote and we will build the program to your operation, or see how it differs by the kind of facility you run.