Gym & Fitness Studio Insurance

You can save up to 25% in discounts on business insurance.*

Choose your primary coverage to get started:

General Liability

Get a Quote

Workers' Compensation

Get a Quote

Professional Liability

Commercial Property

Other Coverages

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Rated 4.7/5

(5056 reviews)

Fitness studio and gym insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the best fitness studio and gym insurance you need to protect your business from accidents, injuries, and legal fees. Our insurance packages typically include:

General liability
Professional liability
Workers’ compensation
Commercial property

We’ll help you get the business insurance coverage you need

It’s all about managing your risk. See the different policies available online for gyms and fitness studios and save up to 10% when you bundle.

General Liability

Bought by 95% of business owners like you

General liability insurance covers a wide range of fitness studio accidents and basic risks. You’ll have financial protection if someone gets hurt in a training session or you are held responsible for damaging property that doesn’t belong to you.

general liability can help you pay for:

Medical payments

Property damage

Legal fees and judgments

Professional Liability (E&O)

Bought by 80% of business owners like you

Professional liability insurance (also known as errors and omissions) helps you defend yourself if you’re accused of making a mistake that causes someone to lose money. For example, if an athlete claims you failed to provide the proper training and it affected their career, it could help cover related expenses to defend yourself or redo the job.

professional liability can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

Workers' Compensation

For self-employed business owners and those that hire employees

Workers’ compensation insurance can help pay for medical care and lost wages after a workplace injury. It’s almost always required if you have employees. Choose business owner’s coverage with your policy to protect yourself.

workers compensation can help you pay for:

Medical expenses

Lost wages

Employer liability

Commercial Property

For business owners who own or rent physical spaces

Commercial property insurance can help protect your business equipment, inventory and even the building itself if you own it. If your business property is damaged due to a covered event, such as a burst water pipe or fire, property insurance can help with replacement costs or repairs as well as the loss of business income while you get back up and running.

commercial property can help you pay for:

Damaged equipment and inventory

Lost income

Operating expenses

See what our customers have to say about NEXT

Satisfied Customer

Best business insurance with the easiest process!

Stephen H.

2/14/2023

Small business insurance

I thought next was easy to use, great rates and outstanding follow-up.

Taylor M.

2/13/2023

Small start up

Thanks for helping a small startup. Was able to get the insurance I need for a cost I could afford.

Deborah H.

2/12/2023

Easy to use

Great! Set everything up and got the insurance needed for my business without hassle and it was very easy and quick to navigate.

Myles C.

2/18/2023

Great!

Hassle free and great to work with. Affordable.

Anthony G.

2/17/2023

Peace of mind

easy to apply and and customer service is very responsive

Darrell W.

2/19/2023

Easy & affordable

This company makes the process very easy & affordable. Thank you for this service!!

Ronald M.

2/21/2023

Easy to sign up and has what I need.

Only took about 10 minutes to have all my questions answered and get the plan I need for my business. Great price and easy to understand plan.

Annick L.

2/21/2023

The best service.

Thanks for your help with my needs, I'm very grateful for your assistance and help. I will recommend your company to others

JOEL C.

2/9/2023

Blown away

Truly a great team of people that worked really hard to get everything together for me and went out of there way to make it fast and easy

Raaf C.

2/6/2023

You can save up to 25% in discounts on fitness studio and gym insurance

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic

Lowest Price

General Liability

Per occurrence

$500,000

Workers’ Comp

Per accident

$100,000

Commercial Property

Per occurrence

$25,000

PRO

How much does gym or fitness studio insurance cost?

Fitness studio and gym insurance costs vary based on the risks that your business faces, such as:

The types of projects you work on
Where your projects are located
Your payroll and the kinds of jobs your employees do

Fitness studio & gym insurance requirements

Fitness studios and gyms are almost always required to have insurance due to the risk of fitness-related injuries and incidents. You might need insurance to:

Win new business. Clients might ask you to have active insurance — usually general liability.
Hire employees. Most states require workers’ compensation.
Repair or replace property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about fitness studio business insurance

Here are some of the most common questions we get about fitness studio insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

What do I need to get an insurance quote online?

We keep it simple and straightforward so you can find the coverage that’s right for you within a few minutes. When you start a quote for insurance, we’ll ask you a few basic questions about your business, including: the kind of services you provide, the location of your office or where you plan to work, how many people you employ and how much you pay them and the number and type of vehicles you use for work.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with NEXT. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current NEXT Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance.

How does the claims process work with NEXT Insurance?

If you’re a policyholder, you can file a claim any time by logging in to your account at www.nextinsurance.com and clicking the “File a claim” under the "About us" tab. You can expect a call from us shortly after you submit a claim to go over the details.
If you do not have a policy with us and are filing against one of our policyholders, you can head over to our website at www.nextinsurance.com, select “Help Center” under our “Support” tab, and under “Quick Actions for Customers” click where it says ”Not a policyholder and want to file a claim?”
If you cannot access your online account and require help from our support team, please visit our online help center.

NEED A FAST CERTIFICATE OF INSURANCE?

Download the NEXT mobile app and get your COI in seconds.

More professions that are covered by NEXT

Aerobics Instructor, CrossFit Coach, Dance Instructor, Fitness Instructor, Golf Coach, Gym & Fitness Studio, Indoor Cycling Instructor, Martial Arts Instructor, Personal Trainer, Pilates Instructor, Sports Coach, Umpire, Yoga Teacher, Zumba Instructor

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* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.