Gym & Fitness Studio Insurance

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

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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

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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 (e&o) can help you pay for:

Professional negligence (actual or alleged)

Legal defense costs

Legal judgments

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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

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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

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How much does fitness studio and gym 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

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Fitness studio and 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.

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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.

Gym & Fitness Studio Insurance

Fitness studio and gym insurance designed to protect your business

Save up to 30% on fitness studio and gym insurance