Can I get business insurance for my 24-hour gym?

Learn about insurance coverage options available to gym owners with 24/7 facilities. Find the most suitable protection for your gym to help you mitigate potential risks.

Aditya Raghunath - Writer for NEXT Insurance
By Aditya Raghunath
Kelly Hendrickse - editor for NEXT Insurance
Edited by Kelly Hendrickse
Matt Crawford for NEXT Insurance
Fact-check by Matt Crawford

Updated June 2, 2023.

Gym insurance, also known as fitness insurance, can provide coverage designed to help protect gym owners from the financial risks associated with operating a fitness facility.

For gyms that operate 24/7, there are additional risks you may need to consider, such as security and liability issues that may occur during off-hours. But, as a gym owner, can you get business insurance for your gym if it's open around the clock?

In many cases, the answer is yes. However, your gym must be staffed with at least an attendant during operating hours. Unstaffed gyms that can be accessed by customers via key card, for example, are not eligible for NEXT coverage.

Business insurance options for 24-hour gyms

There are various insurance coverage options gym owners can consider if operating a 24-hour gym, including:

  • General liability insurance: This coverage can potentially help protect your business from financial losses if someone is injured at your gym and claims it's your fault. It can also help cover costs if someone claims you or your employees are responsible for damaging their property.
  • Professional liability insurance: This can help safeguard your business against claims of negligence or mistakes in your professional services, making it a good option for gym owners who employ personal trainers, group fitness instructors or other staff who provide fitness services.
  • Commercial property insurance: This can help cover damages to your gym's physical property due to fire, theft, vandalism or other covered events. This policy can include business interruption insurance, which can help cover lost income and expenses in the event of shutdowns because of something beyond your control that is covered by your insurance.
  • Workers' compensation insurance: This can help provide coverage for medical expenses and lost wages if an employee is injured or becomes ill while working at your gym. For example, if the employee suffers an injury while on duty during a lower-staffed late-night shift.

Make sure your 24-hour gym is covered

To avoid any excessive costs from property damage, employee and client injuries or unforeseen risks during off-hours, it's important to understand your gym's needs so that you can seek the insurance coverage most suitable for you.

NEXT can help you select gym insurance tailored to your 24-hour gym. You can get an instant quote online, review options and purchase your coverage in a matter of minutes. And if you need guidance, our U.S.-based licensed advisors can answer any questions you may have.

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