Gym & Fitness Center Insurance — Coverage, Cost & Requirements
BOP, equipment coverage, and member liability for gyms, yoga studios, and fitness centers.
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What Coverage Does Gym & Fitness Center Insurance Include?
Most gym & fitness center businesses need several types of coverage to be fully protected. Here's a breakdown of the policies that matter most for your industry.
BOP
Business Owners Policy bundles general liability + commercial property at a discounted rate. Ideal for small businesses.
General Liability
Covers third-party bodily injury and property damage claims. Required by most commercial leases and client contracts.
Equipment Breakdown
Covers mechanical or electrical failure of business equipment and loss of income during downtime.
Workers Comp
Required in most states. Covers medical expenses and lost wages for employees injured on the job.
Umbrella
Adds a layer of protection above your primary policy limits — typically $1M–$5M additional.
How Much Does Gym & Fitness Center Insurance Cost?
The cost of gym & fitness center insurance varies based on your revenue, number of employees, location, and claims history. Here's a realistic range for most businesses.
⚠️ These are estimated ranges. Your actual premium will vary. Updated August 2026.
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