2026 Calculator
Gym Insurance Calculator
Estimate your fitness center insurance costs
Legal Disclaimer
This estimate is based on projected 2026 data and industry averages. Actual premiums vary by insurer, location, and individual factors. Consult a licensed insurance agent for accurate quotes.
*Based on estimated 2026 projections. Data may not reflect real-time legislative changes.
Frequently Asked Questions
How much does gym insurance cost in 2026?
Gym insurance typically costs $2,500-$8,000 per year for a small to medium fitness center. Costs depend on facility type, member count, services offered, and equipment. CrossFit and martial arts studios pay 35-50% more due to higher injury rates.
What insurance does a gym need?
Gyms need: General Liability (member injuries, slip/fall), Professional Liability (training advice, instruction errors), Property coverage (equipment, building), and Workers Comp for employees. Youth programs may require abuse/molestation coverage.
Do liability waivers protect gyms from lawsuits?
Waivers provide some protection but are NOT foolproof. Enforceability varies by state - some states won't enforce waivers for gross negligence. Waivers may help reduce claims but insurance is still essential. Never rely on waivers alone.
Why is CrossFit insurance more expensive?
CrossFit and HIIT studios have higher injury rates due to high-intensity movements, Olympic lifts, and competitive elements. Studies show CrossFit has 2-3x higher injury rates than traditional gym workouts, resulting in 30-50% higher premiums.
Does gym insurance cover personal trainers?
Professional liability covers training advice and instruction errors. However, independent contractor trainers often need their own insurance. Employee trainers are typically covered under your policy, but the gym is still liable for their negligence.