Insurance for Fitness & Gym
Coverage for fitness centers and gyms.
Get comprehensive gym insurance including member injuries, equipment coverage, and liability protection.
Licensed agents who understand commercial businesses deliver fast quotes and expert support.
Talk to a business insurance specialist
Licensed agents who understand your industry and get you competitive quotes fast.
Why Fitness & Gym Insurance Matters
Protect your business from the risks of commercial operations
Commercial businesses face significant liability exposure from operations, products, and customer interactions. The right insurance protects your investment and keeps your business running.
Most commercial businesses need General Liability for premises and operations, Commercial Property for equipment and inventory, and Workers' Compensation for employees. Industry-specific coverage addresses unique risks.
Whether you operate online, in a warehouse, or a showroom, proper insurance is essential for protecting against claims that could shut down operations.
Coverage Checklist
Recommended coverage for your business
The policies you need to protect your business and meet client requirements
General Liability
RequiredCovers member injuries and premises liability.
Workers' Compensation
RequiredRequired for employees in commercial operations.
Business Owners Policy
Bundled coverage for property, liability, and business protection.
Industry Risks
Common risks you need to protect against
Real risks commercial businesses face
See how the right insurance protects your business when things go wrong
Risk
A customer is injured at your location or by your product.
General Liability
Pays for medical expenses, legal defense, and settlements.
Risk
A customer is injured at your location or by your product.
General Liability
Pays for medical expenses, legal defense, and settlements.
Risk
Your inventory or equipment is damaged by fire or theft.
Commercial Property
Reimburses value so you can replace and continue operations.
Risk
Your inventory or equipment is damaged by fire or theft.
Commercial Property
Reimburses value so you can replace and continue operations.
Risk
An employee is injured on the job.
Workers' Compensation
Covers medical bills and lost wages.
Risk
An employee is injured on the job.
Workers' Compensation
Covers medical bills and lost wages.
Why Choose Us
Why commercial businesses choose 1-800-INSURANCE
- Coverage designed for commercial operations
- Property and inventory protection
- Product liability coverage
- Business interruption protection
- Fast certificates of insurance
- Help meeting vendor and landlord requirements
Essential coverage for commercial businesses
Compare quotes and get the policies your business needs
Ready to protect your business?
Get quotes from top carriers, instant COIs, and coverage that keeps you working.
Common questions
Fitness & Gym Insurance FAQs
What insurance does a gym need?
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Gyms need General Liability, Professional Liability for trainers, Commercial Property for equipment, Workers' Compensation, and often abuse/molestation coverage. Member waivers help but don't eliminate liability.
What is a Business Owners Policy?
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A BOP bundles General Liability, Commercial Property, and Business Interruption coverage at a lower cost than separate policies. It's designed for small to mid-sized businesses.
Do I need product liability insurance?
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If you sell or manufacture products, product liability is essential. It's typically included in General Liability but may need higher limits or separate coverage for high-risk products.
Protect Your Business Today
Our commercial insurance specialists understand your industry and can help you find the right coverage at the best price.