Business Owners' Policy (BOP) for Gym & Fitness Businesses

Convenient bundled liability, property, and professional liability coverage for gyms, studios, and martial arts academies

as low as $39/month

Why Choose Gym Insurance+?

✅ Fitness Specific Coverage

Tailored protection for Olympic lifting, high-intensity training, gymnastics-style tumbling, and specialized equipment. Includes gym-friendly coverage for kids' programs, 24/7 gym access, cold plunges, and more.

✅ 35% Lower Rates

Save on premium costs while maintaining comprehensive coverage for your gym

✅ Same Day Coverage Available

Buy online and get instant coverage, starting today

Frequently Asked Questions

What is Business Owners' Policy (BOP) Insurance?

A BOP combines general liability and property coverage in one cost-effective package. This coverage is essential for any fitness business owner, including gym owners, fitness studio owners, CrossFit Affiliates, martial arts studios, yoga studios, endurance training facilities, and more.

What does a BOP cover?

A BOP includes both General Liability and Property protection.

  • General liability covers you for business liability events such as client injuries unrelated to training (slips, falls), damage to client property, personal injury claims (defamation, copyright infringement), legal defense costs, and medical payments
  • Property insurance covers your exercise equipment, office electronics, and furnishings. It also provides coverage for loss of income and business interruption

Why would I buy a BOP instead of standalone policies?

Key benefits to a BOP include: 

  • Savings for buying a bundle rather than separate policies
  • Simplified policy management (same renewal dates and claims contact info)
  • Comprehensive protection

What are some claims examples?

For gyms, some common BOP claims examples include: storm damage to facility, theft of equipment, fire damage, revenue loss during repairs, and client injuries.

How It Works

1. Get your quote

Answer a few questions about your business to get your quote.

2. Review

Licensed insurance agents are here to help if needed.

3. Buy

Coverage starts when you need it. Get your certificate of insurance instantly.

4. Easy support

24/7 online access to your policy documents. File claims and more, all online.

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If it's during business hours, call (269) 430-2997 to speak with a licensed insurance agent.

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Email is still a great way to ask a question! Send us an email at support@gyminsurance.com and we'll get back to you asap.

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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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