CrossFit Affiliates have an insurance choice. Gym Insurance+ meets all Affiliate requirements, at a better price and with better coverage than CrossFit RRG.
Get My Quotecompare my existing policy✨At Gym Insurance+, we focus on saving you money while ensuring optimal coverage to protect you and your gym. Founded by PushPress co-founders who recognized that gym owners nationwide faced rising premiums from predatory providers, we set out to make a difference.
We offer general liability, professional liability, and business personal property policies that meet all CrossFit Affiliate requirements - with reasonable prices and great coverage.
CrossFit's official recommended insurance partner (though we hope not for long!), CrossFit RRG has established itself as the leading insurance provider for CrossFit Affiliates. Their policies are tailored to CrossFit gyms—an improvement over non-gym-focused providers—but their coverage isn't as well-suited for other gyms, nor necessarily the best option for CrossFit gyms either.
Our team is the same one behind PushPress, the gym management software beloved by the CrossFit community. If you know us, you know we care deeply about helping gym owners grow their businesses and avoid financial predators targeting small business owners.
We're here daily, working to support our fellow fitness professionals every step of the way. Your success is our success.
Kids classes and camps, pegboards, cold plunge pools, homemade equipment—we cover it all. We designed our insurance policies specifically for CrossFit Affiliates with direct input from PushPress leadership, CrossFit gym owners, and insurance experts.
In insurance, "those who hold the pen hold the power." As an insurance company controlling our own underwriting, we can truly design policies for our customers. At Gym Insurance+, we've got that pen firmly in hand. Tell us your fitness idea, and we'll let you know if we can cover it. Simple as that.
Check out our comparison table below. For the main coverages (Professional Liability, General Liability), as well as Damage to Premises Rented to You and Personal Advertising Liability, our limits match CrossFit RRG's. But that's where similarities end.
Our limits for Medical Payments, Sexual Abuse & Molestation, and Products-Completed Operations are double or triple CrossFit RRG's. This means more potential coverage for your claims. We've based these limits on real examples from gym owners, ensuring you have the protection your business truly needs.
Insurance, life, staying healthy, owning a gym—it's all challenging enough. We're here to make insurance as simple as possible. If something isn't clear, just ask us. We want you to feel comfortable, heard, and above all, safe. That's why there are no "gotcha" or "you shoulda asked" clauses in our policies. What you see is what you get.
CrossFit RRG charges an annual membership fee for CrossFit Affiliates who buy their insurance. We think that's nuts. You shouldn't need to pay a membership fee to be a valued insurance customer. Yes, you're a valued member of our insurance community and we want to hear your opinions—we're just happy to hear them for free!
Yes, CrossFit RRG is built by CrossFit gym owners for CrossFit gym owners, but so is Gym Insurance+! Our team is the same one behind PushPress, the gym management software beloved by the CrossFit community. We're here to support you and help your gym thrive—keep bringing your dogs and kids to your gym, enjoying those post-WOD beers after working out with your homemade equipment and cold plunging. We are fellow CrossFit athletes and we have your best interests at heart.
CrossFit RRG policies include wacky additional coverages most gym owners will never use. These unnecessary additions keep your premiums high—more money into CrossFit RRG's pocket, less in yours. Trust us, you don't need communicable disease coverage (no, COVID would not be covered). And if you genuinely need inland marine coverage (unless you're running your gym from a food truck, you don't), we can help you find that separately.
Coinsurance is an insurance industry "gotcha" that only harms gym owners. It's confusing and ultimately protects the insurance company, not you. CrossFit RRG policies have an 80% coinsurance clause, meaning you'll only get 80% of your total insurable value from a claim—or even less if you list your property values below a certain limit.
This is unacceptable. Coinsurance clauses are one of the top reasons customers report bad claims experiences and switch providers. Skip the headache and avoid policies with this clause—it offers you zero benefit.
Note: This coverage comparison chart is accurate as of February 2025. Policy terms can change without notice, so please double check your latest policy quote before making your decision.
When evaluating an insurance policy, you'll often see two key limits: per occurrence and aggregate limit.
For example, if you have a $1M per occurrence / $2M aggregate policy:
Understanding these limits is crucial for businesses, as they determine how much protection your policy provides against multiple claims.
Medical Payments coverage is a built-in feature of your General Liability policy that helps cover minor medical expenses for injuries that occur on your premises or as a result of your operations—regardless of fault. Often called "goodwill coverage," it allows you to quickly address medical costs, such as emergency room visits or first aid, helping to prevent minor incidents from escalating into lawsuits. By promptly covering small medical expenses, this coverage can also help maintain positive relationships with customers and visitors.
This confusingly-named coverage is part of your General Liability policy. It protects you from customer lawsuits alleging property damage or injury due to your product or completed service. For gym owners, this coverage is relevant if you sell fitness equipment, supplements, or other products to members, for services like personal training sessions, fitness classes, or equipment installations. Coverage extends beyond the immediate use of your gym, protecting you from claims that may arise weeks or months later.
Products-Completed Operations coverage is a key part of your General Liability policy that protects your business from lawsuits alleging injury or property damage caused by your products or completed services. For gym owners, this coverage is especially important if you sell fitness equipment, supplements, or other products, or if you provide services like personal training, group fitness classes, or equipment installations. Unlike general premises liability, this coverage extends beyond the immediate use of your gym, protecting you from claims that may arise weeks or even months after a product is sold or a service is completed.
Included in your General Liability policy, Personal & Advertising Injury coverage protects your business from claims related to non-physical injuries, such as defamation, copyright infringement, or privacy violations. This could include accidentally using another gym’s slogan or logo in advertising, making comparative statements that could be seen as defamatory, or improperly using someone’s likeness in promotional materials. This coverage helps safeguard your business from costly legal disputes arising from advertising and communication practices.
Yes, SAM coverage is a crucial part of your General Liability policy, especially if you operate a gym that offers jiu-jitsu or other close-contact sports. It provides protection against claims of sexual misconduct, which can be financially and reputationally devastating—even if allegations are unfounded. Coverage limits can vary significantly between policies, so it's important to review your quote carefully and compare options to ensure you have adequate protection.
Coinsurance is an insurance industry "gotcha" that only benefits the insurance company, not you. An 80% coinsurance clause requires you to insure your property for at least 80% of its total replacement cost. If you don’t, your claim payout will be reduced, leaving you on the hook for a large portion of the loss.
For example, CrossFit RRG policies have an 80% coinsurance clause, meaning you'll only get 80% of your total insurable value from a claim—or even less if your property values are listed below a certain limit. This can lead to major financial shortfalls when you need coverage the most.
Coinsurance clauses are one of the top reasons gym owners report bad claims experiences and switch providers. They add unnecessary confusion and risk, all while protecting the insurer—not you. Skip the headache and choose a policy without coinsurance. It offers you zero benefit.
Our policies typically do not include Accident Coverage. This is a standalone policy often offered by non-gym-specialized insurers. Unlike Medical Payments coverage, Accident Coverage provides broader protection, covering medical expenses, rehab costs, loss of income, and sometimes legal fees.
We generally only recommend this coverage for gyms with a primarily youth-based membership since injuries among children tend to be more frequent. However, if you believe this coverage is necessary for your facility, we can offer it separately. Our agents are happy to assist in finding the right solution for your needs.
Don't let high costs or inadequate coverage hold your gym back. Protect your business and your students with insurance built for you.
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