Focus on Fitness While Protecting Yourself
and Your business
Fitness Studio Insurance Program
Running a fitness studio is extremely difficult. You’re forced to wear multiple hats at all times, all of which cut into what you really want to be doing, training people.
That’s why built a one-of-a-kind exclusive fitness studio insurance program to address the unique needs of fitness businesses.
The following program highlights were specifically designed to address the needs of fitness studio owners.
- 3-Year Policy Term – Take away the task of annual renewals and lock in rates that won’t increase for the duration of your policy term.
- Fitness Professional Liability – Coverage extends to employees and fitness-related independent contractors.
- Sexual Abuse & Molestation Liability – Coverage in the event there misconduct between any combination of staff and members.
- Blank Property Coverage – No need to schedule the value of each item in your gym in order to receive full reimbursement after loss.
- Preferred Program Pricing – Extensive knowledge of the fitness industry allows for preferred pricing versus the standard market.
Frequently Asked Questions about Fitness Studio Insurance
Below are answers to frequently asked questions (FAQs) about fitness studio and health club insurance. If you have other questions you can contact us using the form above.
The type of insurance depends on your operation. At a bare minimum, most fitness studios need General Liability to protect them from lawsuits stemming from members and/or guests while they are on your premises; professional liability to cover injury from your training advice, property insurance to cover your building (if you own it), equipment, improvements & betterments you made when moving in to a leased space and business income insurance; if you have employees, you will also need workers’ compensation. We can guide you in the correct direction during our initial consult, which is free.
Pricing is a moving target. It depends on the size of your studio and the services that you offer your clients. It also depends on the types of coverage you need. For example, if you only need General Liability, it would cost less than if you need to cover Property and Workers’ Compensation in addition to the General Liability. With regard to services, a club that does not have a rock climbing wall or tanning services will not be charged as much premium as a club who offers those services simply because there isn’t as much risk for a claim.
Once answer a few short questions with our team regarding property insurance, workers’ compensation, etc. you can have a comprehensive quote in 24 hours or less. The process is not long and depends on how quickly we can have a conversation with you to get the necessary underwriting information.
This is an important question because you may have a big exposure and not realize it. The coverage all boils down to how you treat your trainers. If they are a true W-2 employee, they are covered. However, if they are independent contractors, most standard policies will not afford them coverage (our exclusive program can cover independent contractors) and will require that they get their own insurance. If you are unsure, please make sure you speak with us so that we can point you in the right direction.
Believe it or not, betting a certificate is a breeze! We have a member portal where you can log in and get your certificates in real time! It takes you less time to enter the portal and request the certificate that it would for you to send an email with instructions on what you need. That said, if your certificate requires special language or you aren’t sure of something the certificate holder is asking for, you can always contact us and we will issue it on our end immediately. Getting a certificate is not something that should require you to wait for days on end.