Fitness Insurance
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Keep your business in shape with affordable fitness insurance
NEXT Insurance is a one-stop shop for fitness business insurance. While you get your clients’ heart rates up we keep yours down by covering all your risks with quick, easy and affordable insurance. You can save up to 10% when you bundle two or more of our policies.
We specialize in sports and fitness insurance
Choose your profession for more information or get a customized quote for your business
Why do fitness professionals need business insurance?
Sure, your clients might thank you for aches and pains after a tough workout, but it could be a different situation if they experience more significant pain. They could claim that your fitness coaching caused an injury or emotional harm.
If you have business insurance, you won’t have to pay entirely out of pocket to defend your business or solve the problem.
Fitness liability insurance
Fitness liability insurance can help cover costs if someone accuses you of causing an injury or damaging property that doesn’t belong to you. It’s usually required if you plan to offer your services in a gym or rent your own space.
We combine two types of liability insurance in our business insurance packages:
General liability is the insurance coverage most instructors buy first because it covers the two biggest risks that you face every day — injuries to other people and damage to property that doesn’t belong to you.
Professional liability provides financial protection if someone claims you didn’t provide the services you agreed on or you gave advice that led to financial harm.
Other important business insurance coverage for fitness pros
If you’re an active coach or fitness instructor and you break your ankle during practice, some of the costs of your medical bills will be compensated if you have workers’ compensation. Owners’ coverage is specifically designed for business owners who may not have employees but want an extra layer of protection for themselves.
Note that if you don’t have workers’ comp and you are injured at work, you might not be covered by your personal health insurance.
This coverage is required for businesses with employees in every state except Texas.
Learn more about workers’ comp.
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Frequently asked questions about fitness insurance
What insurance should I get if my work involves multiple types of sports?
What do I need to get an insurance quote online for fitness?
- The kind of fitness classes and services you provide
- The location of the gym or studio where you plan to work
- How many people you employ and how much you pay them
Can I add an additional insured to my fitness 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.
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