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Insurance for Fitness Centers | Close up of sole of sneakers of unrecognizable athlete jogging on a treadmill.

Insurance for Fitness Centers

If you run a fitness center, your priority is ensuring that your customers can get fit responsibly. Sharing your passion for the gym will help your customers bring out the best in themselves and attain the healthy body they desire. Insurance for fitness centers will help you mitigate the risks of having people work out in your fitness center.

Although you do your very best to make sure that your clients know how to operate the equipment safely, accidents and mishaps can occur. Most individuals that suffer an injury during a gym class or while using the equipment will understand that they did something outside their limitations or that they did not use the equipment properly. Others, however, may look for someone to blame.

Being sued can lead to huge financial loss. It can even lead to bankruptcy, whether you’re found liable or not. The best way to protect yourself is by getting insurance for fitness centers.

Statistics You Need to Know

Studies show that gym injuries have been increasing year on year. For example, there is an average of 3.1 injuries per 1,000 hours of CrossFit training. And more than 10,000 people are treated in emergency rooms for recreational sports injuries every day.

1,100,000 individuals will take a trip to the ER after taking a trip on an uneven floor surface. And 495,000 people will suffer a cycling injury, including injuries received during spin or other static cycling classes.

With so many accidents occurring every day, it is likely that accidents will occur in your fitness center sooner or later.

Ways to Prevent Accidents

The best way to prevent accidents is to take tried-and-tested measures to reduce your risk. As a fitness center owner, you are responsible for helping your clients stay safe. You can help protect your clients by:

  • Keeping all fitness equipment well maintained and in working order
  • Removing or cordoning-off broken or faulty equipment
  • Ensuring your staff is trained to spot people who are not using equipment properly
  • Carrying out full induction sessions where you teach clients how to use equipment safely
  • Not letting clients work out if they seem to be unwell, under the influence of drugs, or tired
  • Ensuring all class attendees have the required skill level
  • Keeping all staff trained in first response and first aid

While these measures will go a long way towards accident prevention, they won’t eliminate risk entirely. That’s why having liability insurance for fitness centers is so important.

XINSURANCE: Insurance for Fitness Centers

At XINSURANCE, we want all business owners to continue sharing their passion without fear or stress of facing a lawsuit. We’ve amassed over 40 years of experience, which has allowed us to become frontrunners in providing liability insurance solutions for activities and businesses deemed “risky.” Even if you’ve been refused coverage in the past, XINSURANCE can help.

XINSURANCE is powered by Evolution Insurance Brokers, LC (“EIB”), an excess and surplus lines insurance brokerage. We assess your operations and experience levels to create “all-in-one” customized coverage that fits all your needs.

Our solutions to insurance for fitness centers can provide the following coverage:

  • Commercial general liability
  • Equipment rental liability
  • Professional liability
  • Product liability
  • Property coverage
  • Excess medical
  • Alleged sexual abuse and molestation liability
  • Alleged assault and battery liability

With customized insurance for fitness centers, we’re confident you can run your business with confidence and peace of mind.

Get in Touch for a Quote

You’re probably keen to ask us a few questions about what we can do for you. Or, you may be ready to dive straight in with a quote. Luckily, there are lots of ways you can get in touch with us.

If you wish to speak with someone directly, then call us at 877-585-2853. If you prefer to write to us, you can send your message via email at

Our website details everything you need to know about XINSURANCE as a business, our unique all-in-one approach, and our extensive product line. If you want a quote, you can click for a quote and we’ll reply as soon as possible with the information you need.

Finally, we are also active on social media:

And check out our events calendar to see which events we’ll be attending near you.

If you need insurance for fitness centers, get in touch with us. Whatever your situation, you have the best chance of getting the best coverage from XINSURANCE.

Rick LindseyAuthored by Rick J. Lindsey, President, Chairman, and CEO of XINSURANCE

Rick J. Lindsey hails from Salt Lake City, Utah. He began working in the mailroom of his father’s Salt Lake City insurance firm, getting his introduction to the business that became his lifelong career. Rick J. Lindsey quickly rose through the ranks while working in nearly every imaginable insurance industry job. As an entrepreneur, specialty lines underwriter, claims specialist, risk manager, and a licensed surplus lines broker, Rick J. Lindsey is highly skilled in all levels of leadership and execution. As he progressed on his career path, Rick J. Lindsey discovered an urgent need for insurers willing to write policies for high-risk individuals and businesses. He was frequently frustrated that he could not provide the liability protection these entities desperately needed to safeguard their assets. He also formed the belief that insurance companies acted too quickly to settle frivolous claims. Rick J. Lindsey decided to try a different approach. He started an insurance company and became the newly formed entity’s CEO. This opportunity has enabled Rick J. Lindsey to fill a void in the market and provide a valuable service to businesses, individuals, and insurance agents who write high-risk business. XINSURANCE also specializes in helping individuals and businesses who live a lifestyle or participate in activities that make them difficult for traditional carriers to insure. If you’ve been denied, non-renewed, or canceled coverage, don’t give up quite yet. Chances are XINSURANCE can help.