The concept is straightforward:

• You pay a regular premium for insurance coverage
• Your policy provides financial protection if an accident or incident occurs
• This coverage helps your fitness business continue operating even after unexpected events
  

Your premium will depend on:

• Size of your facility
• Number of members/clients
• Types of services offered (high-intensity training, pool facilities, spa services)
• Number of employees
• Claims history
• Location
• Years in business

Beyond protecting your business, insurance is often legally required. For example:

• Most states require workers' compensation if you have employees
• Many landlords require liability coverage for gym spaces
• Certification organizations often require insurance for personal trainers
• Some states require insurance for specific fitness licenses

• General Liability Insurance: This fundamental coverage protects your business if a client gets injured during a workout, someone slips on wet floors near the locker room, equipment damages a client's personal property, a member suffers an injury unrelated to exercise while on your premises. Most commercial landlords require this coverage, and it's often the first policy fitness business owners purchase.
• Professional Liability Insurance: Also known as errors and omissions insurance, this can cover claims related to incorrect training advice, injuries from recommended exercise programs, allegations of improper fitness instruction, and nutrition guidance issues.
• Business Contents / "Property" Insurance: Protects your exercise equipment and machines, office equipment and furniture, an exercise accessories and supplies. This coverage is particularly important for gym owners with expensive equipment and facilities. Our policies also include business income coverage that helps replace lost income when your business cannot operate due to covered events.
• Workers' Compensation Insurance: Essential if you have employees, covers injuries trainers sustain while demonstrating exercises, workplace accidents, work-related illnesses, and lost wages during recovery.