Fitness Studios & Gyms Insurance
Coverage recommendations, carrier options, and cost estimates for fitness studios & gyms businesses — what you need, what it costs, and how to get covered.
Recommended Coverages
BOP
essentialBundles general liability, commercial property, and business income/extra expense into one policy. For Fitness Studios & Gyms businesses, key exposures include high injury frequency from exercise activities. Common claims include member injury during class or exercise.
$1M GL per occurrence / $2M aggregate; Property limits vary by business personal property and building values
$500 - $3,500/year for low-risk small businesses; $3,000 - $10,000+ for higher-revenue or higher-risk classes
GL
essentialThird-party bodily injury, property damage, personal and advertising injury arising from business operations. For Fitness Studios & Gyms businesses, key exposures include high injury frequency from exercise activities. Common claims include member injury during class or exercise.
$1M per occurrence / $2M aggregate
$400 - $3,000/year for small businesses; $3,000 - $15,000+ for contractors and higher-risk classes
Professional Liability
recommendedClaims arising from professional errors, omissions, negligent acts, or failure to perform professional duties. For Fitness Studios & Gyms businesses, key exposures include personal training liability. Common claims include personal trainer error causing injury. Agent note: Professional liability covers instruction-related claims — critical for personal trainers and class instructors
$1M per claim / $2M aggregate is standard; higher limits for regulated professions
$500 - $3,000/year for low-risk professions; $3,000 - $20,000+ for attorneys, accountants, and healthcare
Workers Comp
recommendedMedical expenses, lost wages, rehabilitation costs, and death benefits for employees injured on the job. For Fitness Studios & Gyms businesses, key exposures include high injury frequency from exercise activities. Common claims include member injury during class or exercise.
Statutory limits per state law; Employers Liability typically $500K/$500K/$500K
Based on payroll × class code rate × experience mod. Ranges from $0.50 to $30+ per $100 of payroll depending on classification
Abuse & Molestation
situationalAbuse & Molestation provides specialized coverage tailored to the risks Fitness Studios & Gyms businesses face.
Varies by carrier and state
Varies by business size and risk profile
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Risk Profile
Physical
Liability
Professional
Property
Top Risks
- High injury frequency from exercise activities
- Equipment malfunction
- Personal training liability
- Youth program exposure
- Member health events (heart attack)
Carriers That Write Fitness Studios & Gyms
One of the largest small commercial writers in the U.S. with broad class appetite. Competitive BOP pricing and a streamlined agent portal with fast online quoting.
Broad appetite across most commercial classes with competitive package pricing. Strong multi-line capabilities — agents can bundle GL, property, auto, and umbrella under one carrier.
Known for competitive commercial auto rates and fast online quoting. Strong appetite for businesses with vehicle fleets and a growing BOP book.
Berkshire Hathaway-backed (AM Best A++) with competitive pricing for standard small business classes. Fully online quoting and binding process.
Cost Estimate
$5,000 - $25,000+ for businesses with $200K - $2M revenue
Key Pricing Factors
- Annual revenue ($200K - $2M is typical for this class)
- Employee count (5-25 is typical)
- Square footage
- Activities offered
- Youth programs (yes/no)
- Waivers enforced
See the Per-Coverage Cost Breakdown
For median GL, BOP, WC, and auto premiums sourced from Insureon, plus a worked quote example and the underwriting questions to expect, see our fitness studios & gyms insurance cost page.