Gym Insurance Cost and Coverage

What Type of Insurance Should a Gym Have?

Business insurance for gyms is a collection of coverages to help protect your fitness center from the liabilities you face every day. When it comes to gym insurance coverages, there are two types that are most common and especially important for small business owners to have:

General liability insurance to help protect your business from claims of bodily injuries, property damage and reputational harm.
Professional liability insurance to help cover claims of errors and omissions (O&E), or mistakes made in your professional services and advice.
A Business Owner’s Policy (BOP) bundles your business property and gym liability insurance into one policy. This means it can help cover claims of bodily injury and property damage to your building, equipment or inventory. You can add other coverages like professional liability, worker’s compensation or cyber insurance to a BOP.

To learn more about these coverages, get a quote from us today. We can help you get the policies you need at an affordable price. So, whether you’re leading fitness classes or cleaning exercise equipment, we’ve got you covered.

How Much Does Gym Insurance Cost?

Insurance costs for gyms and fitness studios vary because every business owner has unique needs. Here are the average costs customers of The Hartford pay for a few common types of insurance:**

BOP: $1,687 a year, or about $141 a month
Standalone general liability insurance: $810 a year, or about $68 a month
Workers’ compensation insurance: $1,032 a year, or about $86 a month

Some factors that influence how much you’ll pay for gym business insurance coverages include your:

Risk exposure
Business location
Years in business
Type of business
Coverage limits
Claims history

To learn more about how much insurance for a gym, health club or fitness studio would cost, get a quote today.

what type of insurance should a gym have

Who Needs Gym Insurance?

At a minimum, gym and fitness center owners should have liability coverage to keep their small businesses protected from risks. We offer business insurance for gym owners made for lots of different exercise locations and small gyms, such as:

Personal trainers and personal training studios
Yoga and Pilates studios
Membership health clubs
Boutique fitness studios
Fitness facilities

Protecting Your Operations

Accidents and injuries happen every day. That’s why it’s important to protect your gym and fitness center with coverage tailored to the needs of gym owners.

In 2021, exercise equipment accounted for about 409,000 injuries, the most in any category of sports and recreation.¹

Professional Liability Insurance

“A customer was working out with a personal trainer when he injured his back. He sued us for negligence.”

Professional liability insurance can help protect your business from lawsuits that claim the services you’ve provided caused a customer harm or lost wages. Even if you did nothing wrong, your client could still sue if they believe you've made a mistake.

General Liability Insurance

“One of my customers slipped while inside our fitness studio. She landed on her wrist and ended up needing medical attention.”

General liability insurance can help cover bodily injury and property claims against your business. This liability insurance for gyms can help pay for your customers’ medical bills.

Protecting Your Team

We know that the health and safety of your team are important to keeping your gym running successfully. That’s why it’s essential to make sure you have the right gym business insurance.

In 2023, United States employers reported 946,500 nonfatal injuries and illnesses affecting days away from work.²

Commercial Auto Insurance

“Our trainers attend local events to promote our gym. One of them was on his way to host a charity fitness class when he rear-ended someone with our company car. The accident caused a lot of damage.”

Commercial auto insurance can help cover the costs of an auto accident while you or an employee uses a company-owned car for business.

Workers’ Compensation Insurance

“One of our trainers was entering the weight room when he slipped on a puddle of water and twisted his ankle. The doctor diagnosed a sprain and recommended time off to heal.”

Workers’ compensation insurance can help cover work-related injuries and illnesses. It can help pay for employee injuries that happen while on the job at your small business.

Protecting Your Property

Gym owners fill their health clubs and fitness studios with expensive gym equipment to give customers the best options for their training levels and goals. That’s why having gym insurance created to specifically protect gyms, fitness clubs and fitness centers is so important. Having the right fitness center insurance coverage can make all the difference when a disaster happens.

In 2021, total economic losses from natural and man-made disasters were around $112 billion.³

Commercial Property Insurance

“We rent space for our gym and fitness center in an older building. When one of the outlets sparked inside the wall, it started a fire, causing tons of damage.”

Commercial property insurance can help cover property damage to your owned or rented building, including damages from a fire.

Business Interruption Insurance

“We had some serious wind damage, and a tree came down on our building’s roof after a storm. We had to close our gym for over a month until it was safe to bring clients back in.”

Business interruption insurance can help replace lost income if you can’t open temporarily after a covered loss, like property damage.

Gym Insurance You Can Trust

We make it our job to know the risks you face every day, so we can help protect your passion for health and fitness.

Find out more about other beauty and wellness professions we insure:

Gym Insurance That Works For You

We know each business is unique. With coverage from The Hartford, your fitness facility is backed by more than 200 years of industry experience.

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Last Updated: April 9, 2025

** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.

¹ Insurance Information Institute, “Facts + Statistics: Sports injuries.”

² United States Bureau of Labor Statistics, “Employer-Reported Workplace Injuries and Illnesses, 2023.”

³ Swiss Re Institute, “Global insured catastrophe losses rise to USD 112 billion in 2021, the fourth highest on record, Swiss Re Institute estimates.”

This page outlines in general terms the coverages that may be afforded under a policy from The Hartford. All policies must be examined carefully to determine suitability for your needs and to identify any exclusions, limitations or any other terms and conditions that may specifically affect coverage. In the event of a conflict, the terms and conditions of the policy prevail.

All Hartford coverages and services described on this page may be offered by one or more of the property and casualty insurance company subsidiaries of The Hartford Insurance Group, Inc. In Arizona, California, New Hampshire, Texas, and Washington by Hartford Fire Insurance Company, Hartford Casualty Insurance Company, Hartford Accident & Indemnity Company, Hartford Underwriters Insurance Company, Twin City Fire Insurance Company, Pacific Insurance Company, Limited, Sentinel Insurance Company, LTD (CA license #8701), Hartford Lloyd's Insurance Company, Hartford Insurance Company of Illinois, Hartford Insurance Company of the Midwest, Trumbull Insurance Company, Hartford Insurance Company of the Southeast, and Property & Casualty Insurance Company of Hartford and its property and casualty insurance company affiliates, One Hartford Plaza, Hartford, CT 06155.

Additional disclosures below.

Gym Insurance Fit for Your Business