🏟️ For gym & studio owners

Gym & Studio Insurance

Gym and studio coverage is generally intended to combine general liability with property and professional liability, to help protect your facility when a member is injured or your business is blamed for damage. Tell us about your facility below and continue to an instant online quote.

Who needs gym & studio insurance?

If members work out in your space — owned or leased — you carry the risk of injury and property claims, and your landlord almost certainly requires proof of liability coverage. Facility programs are built for full-service gyms, boutique studios, personal-training studios, and group-class facilities of every size.

What can a facility program include?

General liability — claims that a member or visitor was injured or their property damaged.
Property & equipment — machines, free weights, flooring, mirrors, sound systems, tenant improvements.
Professional liability — claims that training or coaching your staff provided caused harm.
Optional add-ons — workers compensation, hired/non-owned auto, cyber liability, and amenity-specific coverage.

Every program is different — limits, deductibles, and exclusions are set by the policy you actually purchase, not by this page. Amenities like saunas, steam rooms, and tanning beds are rated individually, which is why the form asks about each one.

Used to run this site before?

This page replaces our older “insurance for gyms and studios” page. Also a trainer? See personal trainer coverage.

Get Your Facility Quote

Takes about 3 minutes. You'll be offered an instant online quote right after.

First Name *

Last Name *

Email Address *

Phone Number *

Gym / Studio Name *

Website (optional)

Facility Type

Street Address *

City *

State (2 letters) *

ZIP Code *

Years in Business

Average # of Members Per Month *

Estimated Annual Gross Receipts *

Approx. Square Footage

Number of Trainers / Staff

Any Showers?

Any Saunas?

Any Steam Rooms?

Any Tanning Beds?

Do You Own or Rent Your Space?

Currently Insured?

Current Carrier (if any)

When Do You Need Coverage?

Anything else we should know?

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Gym & Studio Insurance FAQs

What insurance does a gym or fitness studio need?

Most facilities start with general liability — often required by landlords — and consider property coverage for equipment and tenant improvements, professional liability for training services, and workers compensation when there are employees. The right mix depends on your size, members, and amenities.

Why do you ask about members per month and gross receipts?

Underwriters commonly price facility programs using exposure measures like average monthly membership and annual gross receipts. Sharing realistic numbers up front helps an agent produce an accurate quote the first time rather than re-quoting later.

Why does it matter whether we have showers, saunas, steam rooms, or tanning beds?

These amenities each carry their own exposures — slips, burns, heat-related incidents, and UV-related claims — and some programs rate or exclude them. Disclosing how many you have helps match your facility with a market that is intended to cover your actual operation.

What happens after I submit?

Two things: a licensed agent receives your facility details and may follow up, and you're immediately offered an instant online quote option so you can keep moving today. There's no obligation either way.

General information only — coverage is determined solely by issued policy terms. Full disclaimer