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Fitness Insurance

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. 

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Business insurance has never been easier

Customized business insurance to protect you and your clients
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Instant proof of insurance and easy monthly payments
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How much does fitness business insurance cost?

You can save up to 30% when you buy fitness insurance with Next. The exact amount you pay will depend on:

  • The types of fitness or coaching services you offer
  • The location of your gym or studio
  • If you have employees
  • If you drive to different locations to offer you fitness services
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Take a few minutes to get an instant quote and see how much business insurance will cost.

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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.

 

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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.

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Other important business insurance coverage for fitness pros

Liability insurance is essential for covering your bases but you may want to add other types of business insurance to protect yourself, your work vehicles and your employees.

We typically recommend: 

Commercial Auto insurance

Your personal car insurance might not cover you if you get in an accident while driving for business services. Consider buying commercial auto insurance if you offer classes at different locations or if you drive regularly to events. 

It’s required for vehicles that are owned by your business. 

Learn more about commercial auto.

 

Workers’ Compensation

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?

Your sports and fitness insurance policy will be customized for whatever you do, even if you don’t fit into one category. When you apply for an instant quote online, you’ll be asked to list what percentage of your time you spend on each business activity.    We’ll create a customized insurance package based on what you share with us that can be customized based on your preferences. If you have any questions, our license, U.S.-based advisors are standing by to help.

What do I need to get an insurance quote online for fitness?

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 fitness insurance, we’ll ask you a few basic questions about your business, including:   

  • 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
  • The number and type of vehicles you use for work

How do I get my certificates of insurance?

A few minutes after you buy any type of coverage, you can log into your account from a computer or mobile device to access your certificate of insurance.   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.

Can I add an additional insured to my fitness insurance?

Yes. We know it’s a common need for fitness instructors to add an additional insured to their coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free.  Learn more about additional insureds.

How does the claims process work with Next Insurance?

You can file a claim in a few steps, either online or over the phone. Call us as soon as an incident occurs at (855) 222-5919 to report what happened. One of our claims specialists will ask for details, so please be ready to tell us:   

  • The name your policy is under so we can find the right one
  • Where the incident happened
  • What the injured person was doing at the time and the type of injury sustained
  • Details and contact information for everyone who was involved 
  A claim is created after you report this information and a claims advocate will be assigned to investigate your case to decide if it should be approved or denied. We strive to make claims decisions as quickly as possible so you can get back to focusing on your business.   Check out our claims page for more details.