DOES YOUR FITNESS INDUSTRY INSURANCE COVER YOUR UNIQUE RISKS?

Your position in the fitness industry means your clients pay to “feel the burn” during a workout, but those who feel significant pain may blame you for causing an injury. Aches and pains are common in the quest for fitness. Unfortunately, injuries can be just as prevalent. Whether you offer fitness advice, hands-on training, or allow clients to use gym equipment, injury risks are a constant concern. If that’s not enough to keep you up at night, there's still time to worry about equipment breakdowns, damaged property, data breaches, and dissatisfied customers. Proper insurance coverage is essential for safeguarding any fitness business against the financial risks of unpredictable situations.

A tailored fitness industry insurance program gives you the coverage you need to address the many risks of running your business. Our comprehensive fitness insurance program offers personalized risk management strategies and insurance coverage designed to meet the unique challenges faced by gym owners, fitness clubs, and wellness professionals. Whether you’re launching a new fitness facility or managing a well-established club, we offer guidance and cost-effective coverage to protect your business against financial losses.

Request a Consultation

Entertainment & Recreation Insurance

Our Fitness Industry Insurance Team Understands Your Unique Risks and Will Customize a Quality Program

Core coverages

  • General liability
  • Commercial umbrella
  • Errors & Omissions
  • Management liability
  • Business owner’s policy
  • Equipment breakdown
  • Cyber liability
  • Business interruption
  • Property & contents

Protect Your Employees

  • Workers’ compensation
  • Employment practices liability
  • Directors & Officers
  • Medical & dental insurance
  • Life, disability, and long-term care
  • 401(k) plans
  • Payroll & HR solutions

Protect Your Members

  • Employee safety training
  • Abuse & molestation coverage
  • Assault & battery coverage
  • Crime & active assailant
Banner Image

The World Difference

World’s fitness industry insurance team has over two decades of experience providing customized insurance plans that help reduce or eliminate risks for fitness professionals, including gym owners, health clubs, fitness studios, and personal trainers.

Our extensive network of industry carrier partnerships allows us to provide our clients with exceptional coverage options at competitive rates. With multiple A+ rated carriers in all 50 states, we can provide the coverage you need to get your clients’ heart rates up while keeping yours down. You also earn access to a wealth of free educational resources to strengthen your risk management foundation. We empower health and fitness professionals with the tools and protection they need to thrive in today’s competitive environment.

EXCEPTIONAL SERVICE EXPERIENCE

  • Comprehensive plan review & consultation
  • Exposure identification & analysis
  • Coverage & cost comparisons
  • Program marketing & carrier negotiations
  • Multiple A+ rated carriers in all 50 states
  • Risk management & loss control services
  • Claims advocacy services
  • Online certificate printing and policy summaries
  • White-glove customer service experience
  • Direct access to your service team

OUR FITNESS INDUSTRY AREAS OF SPECIALIZATION

  • Gym owners
  • Fitness centers
  • Health clubs
  • Fitness studios
  • Yoga & Pilates studios
  • Cycling studio
  • CrossFit gyms
  • Climbing gyms
  • Wellness professionals
  • Personal trainers

FAQ About Fitness Insurance

What is fitness industry insurance?

Fitness insurance typically includes several types of coverage tailored to the needs of professionals in the fitness industry. It can help protect you from financial losses common in the industry, such as injuries, damage to personal property, professional error claims, and equipment breakdowns.

Who needs fitness industry insurance?

Business owners in the fitness industry who provide services that are physical in nature or advice on physical fitness routines need fitness business insurance. Facilities that can benefit from a tailored business policy may include fitness centers, health clubs, gyms, and wellness centers. But wellness professionals, personal trainers, and other fitness advisors need to protect themselves, too. A tailored program can provide you with coverage that matches your services to protect you from common industry risks.

Do different types of facilities need different coverage?

Different types of facilities may need different coverage based on their operations. While every fitness facility should have basic coverage such as general liability, E&O, and property coverage, various additional coverages may be necessary for some facilities. For example, a gym might invest in medical payments coverage to cover expenses related to member injuries, while a wellness center may have E&O coverage to take care of expenses related to claims about fitness advice.

What kind of coverage should a gym have?

Business insurance for gyms should have a collection of coverage to protect against the risks you face daily. This typically includes general liability, professional liability (errors & omissions), equipment breakdown, cyber liability, and property insurance. A tailored fitness business owner’s policy combines several core coverages into one policy, plus you can add additional coverages that align with special services you may provide.