We created the insurance we wanted for our own martial arts schools—experience the difference of coverage designed by people who understand the unique liabilities of combat training.
Fill out ApplicationApply onlineYou can apply online or by completing our questionnaire. If you apply online, you'll get a quote instantly. If you fill out the questionnaire, one of our licensed insurance agents will review your answers and reply with your quote within 24 hours.
If you already have liability insurance coverage and would like for us to help you compare policies, email a copy of your policy documents to sales@gyminsurance.com.
As gym owners ourselves, we've dealt with the same insurance limitations you face. We know the real risks of a thriving gym—and what's just insurance companies overreacting. That's why our policies accommodate everything from 24/7 gym access to kid's camps to community events. We protect what matters because we've built what matters.
We've eliminated unnecessary coverage bloat to focus on what gyms actually need. That's why we can offer more comprehensive protection at lower rates. One standout example? Higher medical payments coverage—so when a member tweaks something during a workout, you can confidently recommend they get checked out without liability or fault. We emphasize protecting your community's health while keeping your business strong.
We don't just insure your gym—we protect your community's lifestyle. Bring the dogs, welcome the kids, build your own rigs, host those ice baths, throw events, and create the culture that makes your gym special. Where other insurers see risks, we see what makes your gym authentic.
Answer a few questions about your business to get your quote.
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Coverage starts when you need it. Get your certificate of insurance instantly.
24/7 online access to your policy documents. File claims and more, all online.
We provide coverage for all martial arts styles including Karate, Judo, Taekwondo, Brazilian Jiu-Jitsu, Kung Fu, Mixed Martial Arts, and more. If you offer other classes or services besides martial arts, let us know in your application and we'll confirm coverage with you.
Yes, our plan includes coverage for in-house competitions and events, protecting both participants and spectators.
Yes! Your teachers, employees, temporary workers, and volunteers are all covered under your General Liability policy. Any non-W2 personal trainers (e.g. 1099 contractors) can also be covered on your Professional Liability policy when you add them as 'additional insureds' for only $20 per person/year. Learn more here.
Yes—coverage for legal defense costs is an important part of your policy. If you’re sued, even if you’re not at fault, we will appoint an attorney to defend you, even if the lawsuit is groundless. We will pay these defense costs on your behalf.
Medical Payments coverage is built in to your General Liability Policy and helps cover minor medical expenses for injuries that might occur at your gym—regardless of fault. Often called "goodwill coverage", you can offer to cover emergency room visits or first aid for a gym member. You'll file this like a regular insurance claim with us and we'll reimburse you up to the limits of your policy.
Accident Coverage is a separate policy that's often offered by non-gym-specialized insurance companies. These policies offer broader protection, but we generally only recommend this additional insurance cost in certain situations. If you think you might want this coverage, we can help.
Yes! Your policy will cover instruction for any students older than 2 years old.
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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