Gym & Fitness Studio General Liability Insurance

Affordable general liability coverage for fitness studio accidents and risks

as low as $29/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 general liability insurance?

General liability insurance protects your fitness business from third-party claims of bodily injury, property damage, and related medical costs.

What does general liability cover?

  • Client injuries unrelated to training (slips, falls)
  • Damage to client property
  • Personal injury claims (defamation, copyright infringement)
  • Legal defense costs
  • Medical payments

What factors affect my general liability insurance cost?

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

Why do I need general liability insurance for my gym?

  • Most landlords and property leases require liability coverage for gym spaces
  • Certification organizations often require insurance for personal trainers
  • Some states require insurance for specific fitness licenses
  • Essential for client contracts
  • Covers common gym accidents

What are some claims examples?

  • Member slips on wet locker room floor
  • Client's phone damaged by falling equipment
  • Personal belongings stolen from lockers
  • Injury from faulty equipment
  • Reputational harm from marketing materials

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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We've earned the trust of hundreds of fitness professionals with our transparent, helpful approach to insurance.
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Get answers to your questions in real time—without the pressures of talking to someone, and on your own schedule.

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Need urgent help? 🚨

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

Send us an email ✉️

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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