Gym Insurance

Save up to 25% on gym insurance and fitness studio insurance.*

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Gym insurance can help protect you from

The cost of injuries to non-employees

A customer trips at your business, breaks their leg and files a lawsuit.^**

Building structural damage expenses

A tree unexpectedly falls on your gym’s roof. Out-of-pocket repairs could be costly.

Repairs for damages to business fixtures

Workout equipment, flooring, lighting and fitness gear get singed in a fire. Rebuilding might be expensive.

Medical bills for injured employees

Your employee injures their back while moving equipment. Business insurance could help with care and lost wages.

Get gym insurance that’s fast, flexible and convenient

ERGO NEXT specializes in small business insurance. Insurance for gyms and fitness studios can help protect your business, your employees and your members if something doesn’t go as planned.

ERGO NEXT makes it easy to:

Check prices, get covered and buy 100% online in about 10 minutes.
Manage your policy 24/7 via web or mobile app.
Pay monthly or annually and cancel anytime.
Get unlimited certificates of insurance (COI) to share proof of insurance at no extra cost.

ERGO NEXT specializes in business insurance for gyms and fitness studios

Insurance for gyms and fitness studios is typically several policies combined to help protect you, your business and your employees from different types of business risks. Your coverage may include:

General Liability insurance for gyms and fitness studios

Protection for the injuries, accidents and damage you cause

Gym liability insurance and fitness studio liability insurance may be required for gym owners to lease a space or for the state license required to run your business. General liability insurance could help protect your business if a client gets injured during a workout, slips in your facility or if you accidentally damage property that doesn’t belong to you.

general liability can help you pay for:

Medical expenses if a nonemployee is injured at your gym

Damage to property you don’t own

Legal fees and settlements

Claims related to advertising or personal injury

Professional Liability insurance (E&O insurance)

Protection from professional errors and mistakes

Professional liability insurance — also known as errors and omissions insurance or E&O — could help your gym or fitness business with a legal defense if a client claims your training, advice or instruction caused them financial losses. If an athlete claims you failed to provide the proper training and it affected their career, professional liability coverage could help cover related expenses.

professional liability can help you pay for:

Claims of professional negligence (actual or alleged)

Legal defense costs

Settlements or judgments related to covered claims

Workers’ Compensation insurance

For gyms and fitness spaces with employees

If you have trainers, cleaners, instructors, front desk staff or other employees, workers’ comp insurance is most likely required in your state. This type of business insurance can help protect your business if someone suffers a work-related injury or illness. If an employee strains a muscle during a session or trips and needs medical care on premises, workers’ compensation coverage could help with medical expenses and lost wages during recovery.

workers compensation can help you pay for:

Medical expenses related to a work injury

Lost wages if an employee needs time off to recover

Employer liability if your business is held responsible for the injury

Commercial Property insurance

Protection for your building space, equipment and gear

Whether you own or lease, commercial property insurance could help protect the assets inside your gym or fitness studio required to run your business. This includes gear like weight machines and cardio equipment, and also front desk systems, furniture, fixtures and lighting, and the inventory of your onsite shop. If your property is damaged by a covered event such as a fire, storm damage or a burst water pipe, this coverage could help with costs and business interruption income while your business recovers.

commercial property can help you pay for:

Damaged gym equipment

machines and inventory

Lost income if you have to temporarily close

Ongoing operating expenses during repairs

Business Owner’s Policy (BOP insurance)

Bundled coverage for common gym business risks

A Business Owner’s Policy (BOP) combines general liability insurance and commercial property insurance into one policy — and it’s often more affordable than buying two separate policies. For gym and fitness studio owners, it’s a convenient way to help protect both your physical space and your day-to-day operations. Exclusions may apply.

business owners policy can help you pay for:

Customer injuries (bodily injury)

Property damage

Lost income if you have to pause operations

Equipment breakdown coverage

ERGO NEXT Insurance reviews

For Personal Trainers AND Yoga Instructors

There might be a fair amount of insurance providers who provide coverage for both, but Next was the quickest to respond! The process was super straight forward and understandable.

Edward S.

The Best!

This insurance company is Awesome, very good customer support, and it’s the cheapest so you pay less, highly recommended!

Shereen S.

I’m a brand new customer

Great service so far!

Maria P.

Easy

It was easy to get insurance. Plus you can choose between monthly payments and annual payments. I love that! And you can use a credit card if you want to. Easy!

Berny K.

Great!

Tony P.

Next Insurance for Liability Personal Training

It was easy to sign up and a great price for Personal Training Liability Insurance

Lorraine B.

Owner

Agent service was excellent

Mark B.

Easy to enroll.

Christopher M.

Personal Trainer

Best insurance in the area

Victor L.

Fast easy and affordable

Samuel J.

Save up to 25% in discounts on gym insurance

Pay monthly or annually, and you can cancel 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 insurance cost?

Insurance for gyms and fitness studios may be more affordable than you might expect. Your premium depends on several factors, including:

The size and type of your gym (CrossFit, yoga, Pilates, big box, etc.).
The services you offer.
Your business location.
The number of employees you have.
Your annual revenue.
The types of coverage, limits and deductible you choose.
Your claims history.

The best way to know for sure what you’ll pay is to check our prices. In about 10 minutes you’ll see the exact cost of tailored coverage for your fitness business.

How can gym insurance help your business?

Gym insurance coverage could help your business:

Get licensed. Business insurance may be required to operate legally in your state.
Meet lease or client requirements. Many landlords and property managers may require proof of insurance before you can sign a lease, rent space or offer services.
Protect your space and equipment. Property insurance may help repair or replace equipment if it’s damaged by fire, theft, vandalism or other covered events.
Face liability for accidents and injuries. Gym liability insurance could help protect your business if a client is injured in your studio.
Hire employees. Most states require workers’ comp insurance for small businesses with employees.
Protect sensitive client data. If member information is exposed in an accidental data breach, cyber liability insurance could help cover related costs.

Gym insurance FAQ

If you don’t find answers to your frequently asked questions here, our licensed, U.S.-based insurance advisors are standing by to help.

What type of insurance do small gyms businesses usually need?

General liability insurance is the most common type of business insurance policies for fitness centers and gyms. It can often be required. But even if it's not, it can be a helpful tool to help shield your business from medical costs for non-employees injured on your premises and property damage caused by you or your employees.

If you have employees, workers’ comp insurance is required in most states. And commercial property insurance is usually recommended to cover the contents of your gym – think flooring, lighting, equipment, furniture, technology, etc. – as well as the building that you rent or own. Professional liability may also be a good idea if a client claims that your services caused them a financial loss.

How much is liability insurance for a gym?

Gym liability insurance is a good idea and a good start to your business insurance protection package, but it won’t cover all of the potential risks that could affect your daily business operations.

If you are shopping for liability insurance for a fitness studio or workout space, know that costs can vary based on a number of factors, including the services you offer, the size of your business, your business location and more.

How can I get a certificate of insurance (COI)?

Once you have a ERGO NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a certificate of insurance, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an additional insured as you need them.

What do I need to get an insurance quote online?

It takes about 10 minutes to get a business insurance quote online with ERGO NEXT. We’ll ask a few questions about your business — like what you do, your location, what type of events you sell at, how many people you employ and the vehicles you use for work. You’ll choose your options and see prices. If you like what you see, you can buy online and get a certificate of insurance (proof of insurance) on the spot.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We’ll contact you shortly to go over the details. Our support team is standing by to help.

More professions covered by ERGO 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