{"id":15924,"date":"2020-11-20T09:15:24","date_gmt":"2020-11-20T14:15:24","guid":{"rendered":"https:\/\/www.wellnessliving.com\/blog\/?p=15924"},"modified":"2026-02-03T17:38:33","modified_gmt":"2026-02-03T22:38:33","slug":"what-types-insurance-fitness-businesses-need","status":"publish","type":"post","link":"https:\/\/www.wellnessliving.com\/blog\/what-types-insurance-fitness-businesses-need\/","title":{"rendered":"What Types of Insurance Do Fitness Businesses Need?"},"content":{"rendered":"\n<h4 class=\"wp-block-heading\" id=\"h-by-the-embroker-team-guest-blogger\">By the Embroker Team, guest blogger<\/h4>\n\n\n\n<p>Your top priority is helping your clients become the best and healthiest versions of themselves. However, all fitness business owners face considerable exposures and risks that they need to address before they can open.<\/p>\n\n\n\n<p>A customer slips and falls on a slippery mat, the weight equipment malfunctions, or an employee or client gets injured during an exercise. There are many unique risks to running a fitness business. Most of these claims can be incredibly costly. Those leading to an injury or damage could potentially sink even the most financially stable fitness businesses.<\/p>\n\n\n\n<p>Whether you own a gym, a yoga studio, or a martial arts dojo, you&#8217;ll need a strong risk management system in place to avoid potentially disastrous financial fallout.<\/p>\n\n\n\n<p>Let&#8217;s break down what insurance policies you&#8217;ll need to adequately protect your business, clients, and staff members.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-key-takeaways\">Key takeaways: <\/h3>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Fitness businesses should start with general liability and professional liability coverage to protect against common client injury and negligence claims.<\/li>\n\n\n\n<li>You may also need business-specific policies like property insurance, workers\u2019 compensation, and cyber liability, depending on your staff, space, and data you collect.<\/li>\n\n\n\n<li>The right insurance mix helps protect your clients, team, and finances. Then you can focus on growing the business with less risk.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance-policies-for-fitness-businesses\">Insurance Policies For Fitness Businesses<\/h2>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-workers-compensation\">Workers&#8217; Compensation<\/h3>\n\n\n\n<p>If your employees suffer from work-related injury or illness, this policy will cover their medical bills and lost wages. Workers&#8217; compensation is <a href=\"https:\/\/www.embroker.com\/blog\/workers-compensation-insurance-requirements-by-state\/\" target=\"_blank\" rel=\"noopener noreferrer\">typically compulsory in most states<\/a>, with one notable exception\u2014Texas.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-general-liability-insurance\">General Liability Insurance<\/h3>\n\n\n\n<p>General liability insurance covers third-party lawsuits alleging property damage or bodily injury. This means that if a client has an accident on your premises, the policy will cover both their medical bills and pay for your defense if they decide to sue you, and cover eventual settlement monies.<\/p>\n\n\n\n<p>Additionally, if you hire independent contractors, such as personal trainers or physical therapists, they&#8217;ll need to have their general liability insurance. Ensure that they have a certificate of insurance for their general liability policy. And that you are added as an additional insured.<\/p>\n\n\n\n<p>It\u2019s also important to note that, currently, the COVID-19-related claims are a confusing and murky subject. Regulation is not clear on the matter, and the insurance industry doesn\u2019t have a unified approach to such claims. Each individual claim will be assessed according to the specifics of the claim and the wording of the policy. The only suggestion right now is to report all circumstances and facts of the claim to your insurer in accordance with what\u2019s stipulated in your policy terms.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-commercial-property-insurance\">Commercial Property Insurance<\/h3>\n\n\n\n<p>For fitness businesses, premises and equipment are essential. If your gym is damaged by a fire or an expensive piece of equipment malfunctions, the financial repercussions could be severe. This is where property insurance comes in. It will <a href=\"https:\/\/www.embroker.com\/blog\/property-damage-assessment-and-recovery\/\" target=\"_blank\" rel=\"noopener noreferrer\">protect the building your business is based in<\/a> and all contents, from fire, theft, and natural disasters. Additionally, commercial property insurance can often be extended to protect from income loss caused by these perils.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-employment-practices-liability-insurance-epli\">Employment Practices Liability Insurance (EPLI)<\/h3>\n\n\n\n<p>Fitness businesses that hire employees or independent contractors should strongly consider EPLI. If an employee feels they are not treated fairly or are discriminated against, they may bring forward a lawsuit against you. Additionally, fitness clubs offer a physically charged environment, with changing rooms and showers, and a high potential for abuse. EPLI will protect you from employment-related claims such as sexual harassment, discrimination, and wrongful termination.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-professional-liability-insurance\">Professional Liability Insurance<\/h3>\n\n\n\n<p>Also known as Errors and Omissions Insurance, it will protect your business if you&#8217;re sued for damages that your fitness advice or service may have caused to a client. This coverage is equally important if you offer online classes and training instructions as it is for in-person services.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-participant-liability-and-accidental-medical-coverage\">Participant Liability And Accidental Medical Coverage<\/h3>\n\n\n\n<p>This coverage is crucial for boxing gyms and other businesses focused on martial arts. Suppose your members or clients participate in sponsored tournaments or competitions. This coverage will pay for both their medical expenses and any liability claims that may be leveled against you.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-commercial-crime-insurance\">Commercial Crime Insurance<\/h3>\n\n\n\n<p>Crime insurance will cover crime-related losses caused by both your employees and clients. This coverage will also protect you from computer fraud, petty theft, or identity theft that those with access to your databases may commit.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-business-interruption-insurance\">Business Interruption Insurance<\/h3>\n\n\n\n<p>If you need to close your business for an extended period of time due to a fire or other perils, this coverage will <a href=\"https:\/\/www.embroker.com\/blog\/business-interruption-insurance\/\" target=\"_blank\" rel=\"noopener noreferrer\">reimburse you for the lost revenue.<\/a> This policy will also cover the expenses of temporarily or permanently relocating so that you don&#8217;t lose your members.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-business-owner-s-policy-bop\">Business Owner&#8217;s Policy (BOP)<\/h3>\n\n\n\n<p>A policy that&#8217;s perfect for smaller fitness businesses because it combines three basic coverages <a href=\"https:\/\/www.embroker.com\/blog\/bop-insurance-cost\/\" target=\"_blank\" rel=\"noopener noreferrer\">into a cost-efficient package:<\/a> <\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>commercial general liability<\/li>\n\n\n\n<li>commercial property<\/li>\n\n\n\n<li>business interruption<\/li>\n<\/ul>\n\n\n\n<p>Buying BOP instead of individual coverages will allow your business to bundle these three popular coverages, ensure there are no gaps in your coverage, and save you money. Make sure to include all necessary coverage extensions for the closing and reopening of your business in these challenging times.<\/p>\n\n\n\n<figure class=\"wp-block-image alignnone size-full wp-image-15933\"><img loading=\"lazy\" decoding=\"async\" width=\"630\" height=\"420\" src=\"https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/insurance-blog-image-1.jpg\" alt=\"A woman using laptop to review the different types of business insurance. \" class=\"wp-image-15933\" srcset=\"https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/insurance-blog-image-1.jpg 630w, https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/insurance-blog-image-1-300x200.jpg 300w, https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/insurance-blog-image-1-600x400.jpg 600w, https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/insurance-blog-image-1-320x213.jpg 320w\" sizes=\"auto, (max-width: 630px) 100vw, 630px\" \/><figcaption class=\"wp-element-caption\">Whether you own a gym, a yoga studio, a martial arts dojo, or a spin cycle studio, you need to manage risk with the right type of insurance policy for your business.<\/figcaption><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-much-will-fitness-businesses-need-to-pay-for-insurance\">How Much Will Fitness Businesses Need To Pay For Insurance?<\/h2>\n\n\n\n<p>It\u2019s hard to estimate how much any particular business will have to pay for commercial insurance. Smaller gyms and studios can expect to only pay several hundred dollars for insurance per year. On the other hand, larger fitness centers may have premiums in tens of thousands of dollars. It\u2019s important to understand that each business is unique, and we suggest talking to a good insurance broker to see what your exposures are and what policies you should purchase. This will allow you to get an exact quote for a customized risk management plan.<\/p>\n\n\n\n<p>However, several factors will impact your insurance costs, no matter what, such as:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Services offered:<\/strong> Certain services, such as martial arts training or heavyweight training, carry a higher risk and will therefore increase your premium.<\/li>\n\n\n\n<li><strong>Claims history:<\/strong> If you have a spotless record, insurance companies will be more likely to offer cheaper insurance. However, if you have several claims in your past, you can expect to pay considerably more.<\/li>\n\n\n\n<li><strong>Business equipment and property:<\/strong> The more valuable your property, the higher the chance your insurer will have to pay out expensive claims, meaning that they\u2019ll ask for more money to insure your business.<\/li>\n\n\n\n<li><strong>Revenue:<\/strong> While more revenue is a beautiful thing for business owners, it also means more risk from the insurer\u2019s standpoint. They\u2019ll use your revenue as a strong indication of potentially expensive claims, and your premiums will rise accordingly.<\/li>\n\n\n\n<li><strong>Location:<\/strong> Businesses located in highly populated metropolitan areas will typically pay more for insurance.<\/li>\n\n\n\n<li><strong>Number of employees:<\/strong> More employees mean more potential claims and higher insurance costs.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-make-sure-you-re-covered\">Make sure you\u2019re covered<\/h2>\n\n\n\n<p>In a business, you need to be prepared. Whether you\u2019re a yoga studio, martial arts dojo, gym, or fitness studio, you need to be covered. <a href=\"https:\/\/www.wellnessliving.com\/blog\/protect-your-business-going-forward\/?utm_source=blog&amp;utm_medium=click&amp;utm_campaign=ft-insurance-fitness-businesses-need\" target=\"_blank\" rel=\"noreferrer noopener\">Protect your fitness business<\/a>, clients, and staff members with the right insurance policies and the best possible price!<\/p>\n\n\n\n<p>Now that you\u2019re covered, it\u2019s time to grow your business. At WellnessLiving, we take care of everything you need to manage your fitness business like a pro! From <a href=\"https:\/\/www.wellnessliving.com\/features\/elevate-page\/?utm_source=blog&amp;utm_medium=click&amp;utm_campaign=ft-insurance-fitness-businesses-need\" target=\"_blank\" rel=\"noopener noreferrer\">staff<\/a> and <a href=\"https:\/\/www.wellnessliving.com\/features\/achieve\/?utm_source=blog&amp;utm_medium=click&amp;utm_campaign=ft-insurance-fitness-businesses-need\" target=\"_blank\" rel=\"noopener noreferrer\">client<\/a> apps to an <a href=\"https:\/\/www.wellnessliving.com\/features\/email-marketing\/?utm_source=blog&amp;utm_medium=click&amp;utm_campaign=ft-insurance-fitness-businesses-need\" target=\"_blank\" rel=\"noopener noreferrer\">automated marketing suite<\/a>, a <a href=\"https:\/\/www.wellnessliving.com\/features\/customer-reviews\/?utm_source=blog&amp;utm_medium=click&amp;utm_campaign=ft-insurance-fitness-businesses-need\" target=\"_blank\" rel=\"noopener noreferrer\">customer reviews feature<\/a>, an <a href=\"https:\/\/www.wellnessliving.com\/features\/advanced-reporting\/?utm_source=blog&amp;utm_medium=click&amp;utm_campaign=ft-insurance-fitness-businesses-need\">advanced reporting system<\/a>, and <a href=\"https:\/\/www.wellnessliving.com\/features\/rewards\/?utm_source=blog&amp;utm_medium=click&amp;utm_campaign=ft-insurance-fitness-businesses-need\" target=\"_blank\" rel=\"noopener noreferrer\">a built-in rewards program<\/a>, <a href=\"https:\/\/www.wellnessliving.com\/blog\/software-features-grow-your-fitness-studio\/?utm_source=blog&amp;utm_medium=click&amp;utm_campaign=ft-insurance-fitness-businesses-need\">we have every tool you need to take your business to the next level<\/a>. Want to learn how WellnessLiving can help? <\/p>\n\n\n\n<p><strong><a href=\"https:\/\/www.wellnessliving.com\/functional-fitness\/software\/\" target=\"_blank\" rel=\"noreferrer noopener\">Book a free, no-commitment demo today!<\/a><\/strong><\/p>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"http:\/\/www.embroker.com\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"630\" height=\"233\" src=\"https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/Embroker.png\" alt=\"fitness businesses, Embroker logo\" class=\"wp-image-15932\" srcset=\"https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/Embroker.png 630w, https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/Embroker-300x111.png 300w, https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/Embroker-600x222.png 600w, https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/Embroker-320x118.png 320w\" sizes=\"auto, (max-width: 630px) 100vw, 630px\" \/><\/a><\/figure>\n\n\n\n<figure class=\"wp-block-image\"><a href=\"https:\/\/discover.wellnessliving.com\/blog-fitness?utm_source=blog&amp;utm_medium=click&amp;utm_campaign=ft-insurance-fitness-businesses-need\" target=\"_blank\" rel=\"noopener noreferrer\"><img loading=\"lazy\" decoding=\"async\" width=\"630\" height=\"233\" src=\"https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/06\/BannerForBlog-3-Copy-8-New.png\" alt=\"call to action, banner for blog\" class=\"wp-image-14829\" srcset=\"https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/06\/BannerForBlog-3-Copy-8-New.png 630w, https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/06\/BannerForBlog-3-Copy-8-New-300x111.png 300w, https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/06\/BannerForBlog-3-Copy-8-New-600x222.png 600w, https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/06\/BannerForBlog-3-Copy-8-New-320x118.png 320w\" sizes=\"auto, (max-width: 630px) 100vw, 630px\" \/><\/a><\/figure>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-insurance-for-fitness-businesses-faqs\">\u2753 Insurance for Fitness Businesses: FAQs \u2753<\/h2>\n\n\n\n<div class=\"schema-faq wp-block-yoast-faq-block\"><div class=\"schema-faq-section\" id=\"faq-question-1768598686501\"><strong class=\"schema-faq-question\">What insurance is most essential for a fitness business to start with?<\/strong> <p class=\"schema-faq-answer\">Most fitness businesses start with general liability because it helps protect you if a client is injured or property is damaged at your facility. Many owners also add professional liability, since instruction and coaching can create claims related to training advice or supervision. The right starting mix depends on your services, space, and risk profile.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1768598693791\"><strong class=\"schema-faq-question\">What\u2019s the difference between general liability and professional liability for gyms?<\/strong> <p class=\"schema-faq-answer\">General liability focuses on incidents like slip-and-falls or property damage tied to your premises and operations. Professional liability focuses on claims tied to your services, such as alleged negligence, improper instruction, or failure to supervise. Many gyms carry both because they cover different risk categories.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1768598718575\"><strong class=\"schema-faq-question\">Do fitness businesses need workers\u2019 compensation insurance?<\/strong> <p class=\"schema-faq-answer\">If you have employees, workers\u2019 compensation is commonly required and protects your business if staff are injured or get sick due to work. Even small teams can face expensive claims, so owners often treat this as foundational coverage alongside liability policies. Requirements vary by location, so it\u2019s worth confirming local rules.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1768598726318\"><strong class=\"schema-faq-question\">What factors most impact the cost of fitness business insurance?<\/strong> <p class=\"schema-faq-answer\">Cost is influenced by your business size, services offered, number of employees, location, claims history, and the limits you choose. Businesses with higher-contact training, heavier equipment, or larger foot traffic often pay more because risk exposure is higher. Bundling policies into a business owner\u2019s policy can sometimes reduce overall cost.<\/p> <\/div> <div class=\"schema-faq-section\" id=\"faq-question-1768598744108\"><strong class=\"schema-faq-question\">How can I reduce insurance risk while still delivering a great client experience?<\/strong> <p class=\"schema-faq-answer\">Risk reduction starts with consistent safety practices, clear waivers, equipment maintenance, and staff training for supervision and incident response. <a href=\"https:\/\/www.wellnessliving.com\/features\/advanced-reporting\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tracking attendance patterns<\/a> and documenting issues quickly can also help you spot recurring problems early. Strong operational systems don\u2019t replace insurance, but they can reduce preventable claims and protect your reputation.<\/p> <\/div> <\/div>\n","protected":false},"excerpt":{"rendered":"<p>By the Embroker Team, guest blogger Your top priority is helping your clients become the best and healthiest versions of themselves. However, all fitness business owners face considerable exposures and risks that they need to address before they can open. A customer slips and falls on a slippery mat, the [&hellip;]<\/p>\n","protected":false},"author":861,"featured_media":15934,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"disable_featured_image":false,"_lmt_disableupdate":"","_lmt_disable":"","footnotes":""},"categories":[466],"tags":[628,2277,609,2311,499,2276],"class_list":["post-15924","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-business-management","tag-business-management","tag-expert-advice","tag-marketing","tag-mobile-apps","tag-rewards-program","tag-software"],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v22.4 (Yoast SEO v26.0) - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Types of Insurance for Fitness Businesses - WellnessLiving<\/title>\n<meta name=\"description\" content=\"Anything can happen. Is your fitness business protected? There are many types of insurance policies you need to consider.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.wellnessliving.com\/blog\/what-types-insurance-fitness-businesses-need\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"What Types of Insurance Do Fitness Businesses Need?\" \/>\n<meta property=\"og:description\" content=\"Anything can happen. Is your fitness business protected? There are many types of insurance policies you need to consider.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.wellnessliving.com\/blog\/what-types-insurance-fitness-businesses-need\/\" \/>\n<meta property=\"og:site_name\" content=\"WellnessLiving Blog\" \/>\n<meta property=\"article:published_time\" content=\"2020-11-20T14:15:24+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-02-03T22:38:33+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/Blog_What-Types-of-Insurance-Do-Fitness-Businesses-Need.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"800\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Benjamin Kingston\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Benjamin Kingston\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"8 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":[\"WebPage\",\"FAQPage\"],\"@id\":\"https:\/\/www.wellnessliving.com\/blog\/what-types-insurance-fitness-businesses-need\/\",\"url\":\"https:\/\/www.wellnessliving.com\/blog\/what-types-insurance-fitness-businesses-need\/\",\"name\":\"Types of Insurance for Fitness Businesses | WellnessLiving\",\"isPartOf\":{\"@id\":\"https:\/\/www.wellnessliving.com\/blog\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/www.wellnessliving.com\/blog\/what-types-insurance-fitness-businesses-need\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/www.wellnessliving.com\/blog\/what-types-insurance-fitness-businesses-need\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.wellnessliving.com\/blog\/wp-content\/uploads\/2020\/11\/Blog_What-Types-of-Insurance-Do-Fitness-Businesses-Need.png\",\"datePublished\":\"2020-11-20T14:15:24+00:00\",\"dateModified\":\"2026-02-03T22:38:33+00:00\",\"author\":{\"@id\":\"https:\/\/www.wellnessliving.com\/blog\/#\/schema\/person\/a4c9325df069c1ec21019a9e9e3aa903\"},\"description\":\"Anything can happen. 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