Coverage Guide
Gym Insurance Coverage Guide
Fitness center liability and equipment coverage
Waivers Are Not Enough
Liability waivers provide LIMITED protection and enforceability varies by state. Many states won't enforce waivers for gross negligence. Never rely on waivers as your only protection.
Coverage Types
General Liability
Member injuries, slip/fall
$2,500
Base Annual
Professional Liability
Training advice, instruction
$1,200
Base Annual
Business Property
Equipment, building
$2,000
Base Annual
Abuse/Molestation
Required for youth programs
$500
Base Annual
Gym Type Rate Factors
| Type | Description | Rate Factor |
|---|---|---|
| Traditional Gym | Standard fitness center | ×1 |
| CrossFit/HIIT Studio | High-intensity training | ×1.35 |
| Yoga/Pilates Studio | Low-impact classes | ×0.75 |
| Martial Arts/Boxing | Combat sports | ×1.5 |
| Personal Training Studio | One-on-one training | ×0.9 |
| 24-Hour Access Gym | Unsupervised access | ×1.2 |
*Martial arts and CrossFit have highest rates due to injury frequency