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For gyms, fitness centers, and health clubs

Gyms, fitness centers, health clubs, etc. all have one thing in common – to promote health and wellness. They provide equipment such as treadmills, barbells, weight machines, and boxing rings to help members get into shape. Most facilities have staff who help maintain or clean the equipment as well as personal trainers for those who want a more focused or personalized workout. The other thing that these places have in common? They all need gym insurance!

Gym insurance is essential for owners. It can help protect you if a claim or lawsuit occurs and let’s face it – accidents and incidents are bound to happen at the gym. XINSURANCE is here to provide true peace of mind for owners and their staff. We offer customized gym liability insurance solutions for all kinds of gyms and fitness centers regardless of size, claims history, or other factors that may prevent you from getting insurance. We specialize in unique risks and can offer solutions even if you’ve been declined, canceled, or non-renewed.

gym insurance for gyms health clubs and fitness studios
gym insurance for gyms health clubs and fitness studios


XINSURANCE Offers Fitness Center Insurance Solutions

XINSURANCE is a full-service liability insurance partner that covers the most challenging risks. We provide all-in-one protection to anyone looking for coverage, even if you’ve been canceled or non-renewed by your carrier. We can also customize your plan to ensure it meets your specific needs. You’ll have true peace of mind knowing you have a trusted partner by your side whenever an accident or incident occurs.

What Can Fitness Center Insurance Cover?

Fitness Center Insurance can cover gym owners, managers, the staff, as well as the property. It can provide general liability and professional liability as well as sickness/COVID-19GL coverage when standards are met.

Examples of available coverages include:

  • Commercial general liability: Provides broad coverage for injuries and property damage sustained by third parties while on the gym or fitness center property.
  • Premises liability: Covers accidents that take place on your business premises.
  • Commercial property: Covers damage to the insured’s property (building, machines, etc.)
  • Professional liability: Protects you and your staff from negligence claims when offering a service or teaching a class. This is important if you have dieticians, personal trainers, physical therapists, etc.
  • Participant liability: If your gym has a boxing or martial arts studio/ring and you host tournaments or competitions, this coverage protects you from liability claims as a result of a participant getting injured during match.
  • Communicable disease coverage: Offers liability protection, resulting directly from a pandemic, in the event you are named in a suit regarding to a customer alleging they were exposed from your operation.
  • Active shooter coverage: Third-party liability protection that can provide medical/funeral expenses, physical damage, business interruption, and more.
  • Alleged sexual abuse or molestation liability: Provides protection in case you or a staff member is accused of sexual abuse or molestation.
  • Alleged assault and battery liability: Provides protection in case you or a staff member is accused of assault and battery.
  • Tru Umbrella / Excess liability: Coverage for gaps and exclusions in your current policy.

Please note that we do not provide workers’ comp.

Who Does Gym Insurance Apply To?

Many types of gyms and fitness centers can get this kind of insurance. Below are some examples.

  • Membership Gyms
  • Fitness Centers
  • Health Clubs
  • 24-Hour Acess Gyms
  • CrossFit Gyms
  • Jiu-Jitsu Gyms
  • Boot Camps
  • Aerobic Centers
  • Yoga Centers & Pilates Centers
  • Dance Studios
  • Personal Training and Exercise Studios
  • Boxing or Martial Arts Studios
  • Parkour or Ninja Warrior Gyms
  • Gymnastics Facilities
  • Athletic Clubs
  • And more!

With limits up to $20 million, no risk is too large or small for XINSURANCE.

Why Choose XINSURANCE for Gym Liability Insurance

XINSURANCE is an insurance partner that provides true peace of mind with customized liability insurance solutions. Available in all 50 states, we have an all-in-one approach that covers all of your exposures under one simple policy. Not many insurance companies can say they cover exclusions but XINSURANCE can. By providing you with access to customized liability insurance policies that cover gaps in your traditional insurance coverage, XINSURANCE helps minimize exposures and maximize peace of mind.

How To Get Your Free Gym Insurance Quote

It’s easy to get a free, no-obligation quote from XINSURANCE. We have an online application that allows you to request a quote from one of our underwriters. All you have to do is fill out and submit the app online and then we’ll have an underwriter contact you as soon as possible to discuss the situation and provide a quick quote.

Please contact us to get your free gym insurance quote today. We’ll also be happy to review your current coverage to identify gaps and exclusions that could leave you vulnerable.

With XINSURANCE, you can purchase customized liability insurance coverage that will protect you in all the areas that your homeowners, employers, and business insurance policies won’t or can’t. Our underwriting team brings you over 40 years of experience, along with the ability to offer customized limits, coverage, deductibles, and premiums to create the perfect plan for your personal protection.

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