Gym Insurance

Specialty business insurance solutions tailored to your needs.
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Break free from one-size-fits-all insurance policies; XINSURANCE champions customized gym liability solutions.

Recognizing the diversity of risks in the fitness industry, we offer specialty liability insurance solutions that adapt to your gym’s unique profile.

What is Gym Insurance?

Gym insurance is a critical safeguard that protects fitness centers from financial losses associated with claims of injury, property damage, or other liabilities incurred within the gym’s premises. As a gym or fitness center owner, the nature of your business inherently involves risks, not only due to the physical nature of activities conducted but also due to the diverse clientele you serve. Your commitment to the health and safety of your members is paramount, but even with stringent safety protocols, the unpredictable can happen. When it does, having a stalwart insurance partner who understands the intricacies of these unique risks is indispensable.

At XINSURANCE, we view insurance not as a mere transaction but as a vital partnership aimed at empowering your business to operate with confidence and stability. Unlike traditional providers that might leave gaps in your coverage and non-renew you when there’s a claim, we stand to do things right. Our approach to insurance is rooted in a commitment to provide true peace of mind through tailored solutions that acknowledge the distinct needs of your gym. We believe in forging strong partnerships with our clients, ensuring that when what can happen does happen, you’re backed by an insurance solution designed to support your resilience and growth, not hinder it.

Who Should Have Gym Insurance

  • Traditional Multipurpose Gyms
  • Boutique Fitness Studios
  • Yoga & Pilates Studios
  • Dance Studios
  • Health Clubs
  • CrossFit Gyms
  • Personal Training Studios
  • Boxing and Kickboxing Gyms
  • Martial Arts Dojos
  • Aerial Arts Studios
  • And More!
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Gym Liability Coverage Options

Commercial General Liability

Provides coverage for injuries and property damage sustained by third parties.

Property Coverage

Covers the building and its contents from weather-related risks, vandalism, theft, and more. Learn more.

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 a match.

TRU Umbrella

Additional coverage to fill the gaps and cover the exclusions in your existing policy. Learn more.

Active Shooter Liability

Liability protection in the event of an active shooting taking place on company property. Learn more.

Alleged Assault and Battery Liability

Coverage for claims against you regarding assault and/or battery.

Alleged Sexual Abuse and Molestation Liability

Coverage for claims against you regarding sexual abuse and/or molestation.

Communicable Disease Liability

This is a policy enhancement that provides coverage for negligent exposure to any Declared Pandemic Disease or Pathogen, including COVID-19. Learn more.

Commercial Auto*

Provides auto liability coverage for your company-owned or personally-owned vehicle primarily used for business purposes. Learn more.

*Available in most states

Inland Marine

Can provide physical damage protection for applicable equipment while it is being rented, stored, or transported. It can provide financial assistance in case of accidents, malfunctions, and limited theft coverage.

Directors and Officers (D&O) Liability

Protects people from personal losses if they are sued as a result of serving as a director or an officer of an organization. Learn more.

Personal Liability

Personal liability protection in the event of an accident and a claim is made against you. Learn more.

Premises Liability

Protects against claims for slips, trips, and falls on the property due to negligence.

Products Liability

Protects your gym from claims that a product or supplement you made, sold, or distributed, caused third-party bodily injury or illness. Learn more.

Professional Liability

Also known as errors and omissions insurance, this covers gyms for claims of negligence, mistakes, or omissions in the professional services they offer, including workout advice and training supervision. Learn more.

Riot and Civil Commotion Liability

Liability protection against claims made from a riot or civil commotion.

Special Events Liability

Covers bodily injury to a guest and property damage to the venue (such as the building or its equipment) for private and public events. Learn more.

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How To Get A Quote

Request Your Quote

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Specify Your Needs

We’ll schedule a call with you to consult on your needs, and collect more details

Get Your Custom Quote

We’ll use all the information provided to craft a highly personalized quote to address all of your specific insurance needs in one comprehensive policy

FAQs About Liability Insurance for Gyms and Fitness Centers

Why do gyms need liability insurance?

Gyms need liability insurance to protect against legal and financial risks associated with operating a fitness facility, which may include injury claims from members, accidents, and property damage.

While not always legally required, it’s highly recommended. In some areas or for certain affiliations, carrying liability insurance may be a legal or contractual requirement.

Does liability insurance cover gym equipment?

Yes, we can cover gym equipment under our property coverage solutions.

Can members sue a gym if they've signed a waiver?

Waivers can provide some protection, but they do not make the gym immune to lawsuits. Members can still potentially sue for negligence, for example.

Can I be insured if I've been dropped or rejected by an insurance company?

Yes, XINSURANCE can help you even if you’ve been declined, canceled, or non-renewed by an insurance company. We step in to provide an insurance solution when others can’t or won’t.

Do online or virtual fitness classes require liability insurance?

Yes, as these services can still expose the gym to liability, such as if a participant is injured following an online instruction.

Does each personal trainer need their own liability insurance?

If a gym secures its liability insurance through XINSURANCE, personal trainers employed by the gym might not need their own separate policy because they could be covered under the gym’s policy. However, if the insurance is through another provider, there could be gaps in coverage for personal trainers, especially if they are contractors who work at other gyms as well.

How much liability insurance should a gym have?

The amount varies depending on the size of the gym, member traffic, types of activities offered, and location. It’s best to consult with an insurance broker like XINSURANCE who understands the fitness industry.

How much does gym insurance cost?

The cost of liability insurance for gyms and fitness centers depends on a variety of factors, including the gym’s size, location, number of members, types of services offered, the training provided, past claim history, chosen deductibles, policy limits, and more.

It’s best to contact us and tell us more about your gym so we can provide a personalized quote.

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Fitness Center Insurance Quotes

We provide liability insurance solutions for gyms, fitness centers, and health clubs of all kinds.

Request a fitness center insurance quote today and get the coverage you need!

What our clients say

Insurance for all activities. Excellent product with total coverage for WHEN you need that extra help.
THIS IS INSURANCE I CAN TRUST TO PROTECT ME!

– Dave H.

They are amazing and always there to help you if you have any questions or concerns.

– Arlene A.

XINSURANCE is very easy to deal with. We didn’t have to wait forever for the information we needed. And the whole process of finding a plan that worked for us was almost too easy.

– Leslie A.

Your Trusted Team For Tackling the Unexpected

Fighting for You is What We do Best

At XINSURANCE, we believe in taking an active role in defending the interests of our customers. When an insured is facing challenges such as frivolous lawsuits or unfounded charges, we take pride in staying by their side.

Unique Requirements are Our Specialty

XINSURANCE specializes in covering the extraordinary cases that other agents lack expertise in. If you need something insured and can’t find a policy for it anywhere else — chances are our team will know exactly how to get you coverage for it.

Built-For-You Flexibility & Dedicated Support

The XINSURANCE approach to coverage is anything but “one size fits all”. Our specialty insurance experts work one-on-one with you to fully understand your circumstances, insurance needs, and high-risk areas up front. This means that by the time your policy is issued, we're fully prepared to support you through the worst-case scenarios — not drop you when an incident, claim, or lawsuit occurs.

More of Your Coverage - All In One Place

Though your policies won’t be “one size fits all,” XINSURANCE does take an all-in-one approach to insurance. This means that instead of buying several policies, we’re able to offer coverage solutions for your various needs all in one plan.

What You Can Expect From Our Team

Insurance solutions tailored to your needs

Expansive coverage options

Expert support when facing frivolous charges

Dedicated support & service

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