Gym Insurance That Moves With Your Business 
What is gym insurance?
Gym Liability Insurance For Small Fitness Facilities
Operating a gym means managing equipment, members, and constant physical activity, all of which come with risk. Gym insurance protects your business from property damage, member injuries, and other unforeseen incidents. With the right gym liability insurance, you can confidently run your fitness facility knowing your space, staff, and members are covered.
Business Owners Policy Insurance
Business owners policy insurance bundles commercial property insurance and general liability insurance coverages into one affordable package for small and mid-sized companies.
Best for
Customer bodily injuries
Damaged client property
Repair stolen property
General Liability Insurance
General liability insurance is essential for small businesses looking to protect themselves against common risks like bodily injury, property damage, and legal claims.
Best for
Slip-and-fall accidents
Damage to a customer's property
Claims of advertising injury
Workers Compensation Insurance
Required by law in many states, workers compensation insurance helps cover medical expenses, lost wages, and rehabilitation costs for on-the job injuries
Best for
Injuries sustained while working
Work-related illnesses
Medical expenses and rehabilitation costs
Professional Liability Insurance
Professional liability insurance, also known as errors and omissions insurance, is designed to protect your small business from claims of negligence, missed deadlines, or unsatisfactory work.
Best for
Claims of missed deadlines
Lawsuits of inaccurate advice
Claims of misrepresentation
Cyber Insurance
Cyber insurance protects against the financial fallout of stolen data, system outages, and regulatory fines. It's strongly recommended if your businesses handles credit card numbers, email addresses, and other personal information.
Best for
Protect against hacking
Covering breach notification costs
Protections against malware
Commercial Auto Insurance
Commercial auto insurance covers the cost of accidents involving a vehicle owned by your business. Most states require this coverage for vehicles owned by a business.
Best for
Bodily injury in accidents
Property damage in accidents
Protections against uninsured motorists
The Gym Insurance You Need
To keep your gym protected from everyday risks and unexpected setbacks, here are the core gym insurance coverages most fitness businesses consider:
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Professional Liability (E&O) Insurance – Protects against client claims of mistakes, omissions, or negligence.
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General Liability Insurance – Covers third-party property damage or bodily injury
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Business Owners Policy– General liability and business equipment coverage all in one.
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Workers’ Compensation Insurance – Covers medical bills and lost wages for injured employees.
- Cyber Liability Insurance – Safeguards against digital threats, ransomware, and data breaches.
The best way to find your gym insurance cost is to get a free, online quote in minutes!
Gym Insurance Extra Protections
To take your gym insurance to the next level, consider the following options:
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Business Interruption Insurance: Reimburses lost income flowing if a fire, power outage, or other covered event occurs.
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Equipment Breakdown Coverage: Repairs or replaces essential equipment, from sound systems to yoga props.
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Cyber Insurance: Shields your studio from costly digital threats, ransomware, and data breaches.
Count on Fast Support for Your Business When the Unexpected Happens
When an incident affects your business, you deserve support that works as hard as you do. Gild’s Claims Concierge helps you navigate the business insurance claims process with speed, clarity, and confidence.
Our team works alongside you to:
- File and manage claims efficiently to minimize downtime and stress.
- Coordinate directly with your insurance provider for faster resolutions.
- Connect you with trusted repair and recovery partners to restore operations quickly.
Our goal is simple: get you back to serving clients and growing your business as quickly as possible. We’re here to keep you steady, supported, and ready for whatever comes next.
Get The Best Gym Insurance Today!
At Gild Insurance, we understand the unique risks gyms face every day. Our gym insurance coverage options help protect your business from member injuries, property damage, and liability claims, so you can focus on building your community and growing your fitness business with confidence.
Frequently Asked Questions
Gym insurance protects your fitness business from common risks tied to your space, services, and clients. A typical policy helps with:
- Injury claims if a client gets hurt while using your facility.
- Property damage to your gym’s equipment, furniture, or location.
- Professional errors from personal training or coaching.
Gild makes it easy to get tailored gym insurance that protects both your space and your services.
Do gym owners need insurance?
Yes! Insurance is essential for gyms of any size. Here’s why:
- Landlords often require insurance before you sign a lease.
- State laws require workers' compensation if you have employees.
- Client injury claims are common, especially in high-activity spaces.
- Professional services, like personal training, bring added liability risks.
- Many vendors and event partners require proof of insurance.
How much does gym insurance cost?
On average, Gilders pay between $500-$1200 a year for protection.
Cost can vary depending on your:
- Location
- Size
- Value of Equipment and Tools
Gild will work with you to find the right tailored coverage that fits your budget and your needs.
What does gym insurance cover?
Your gym’s insurance package can include these key protections:
- General Liability Insurance: Covers third-party injuries and property damage.
- Professional Liability Insurance: Covers mistakes tied to your training or coaching services.
- Commercial Property Insurance: Protects your equipment, furnishings, and gym space.
- Product Liability Insurance: Covers claims from products you sell, like supplements or branded gear.
- Business Interruption Insurance: Replaces lost revenue during forced closures.
- Workers’ Compensation Insurance: Covers employee injuries, required in most states.
With Gild, you get a customizable package that includes only the coverages your gym actually needs—nothing extra, no wasted money.
Let's Keep Your Business Strong!
Get Covered
