Your Next Job Oct 15, 9am-5pm Covered

Gym Insurance

Insurance you only pay for when you’re on the job.

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Get a Quote

Flexible risk protection
by the hour, day, or month.

Starting at just $5

On Your Schedule

Coverage only for the hours and days you work—never overpay.

In an Instant

Get a Certificate of Insurance in your inbox—and your client’s—in seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Change It Anytime

Easily add crew and Additional Insureds, and adjust your policy in real time.
What's Covered

Gym owner insurance is essential, but an annual commitment doesn't accommodate every business's ups and downs.

The coverage arranged by Thimble is flexible, so you can build a policy that suits your schedule and your budget.

50% of gym owner policies are for 30 Days or less
"Thanks to no useless questions on the application, instant issue of insurance proof, and a great pricing model, I've already recommended Thimble to two fellow entrepreneurs. Well done." Corey W., Thimble Customer

Insurance designed for small business

  • Why do I need a gym insurance policy? As a gym owner, you know that there are risks inherent to your job. You need an insurance policy that's built to protect—and flexible enough to accommodate your schedule.

    The General Liability insurance arranged by Thimble is designed to respond to incidents involving bodily injury and property damage. For example:

    Bodily Injury
    One of your members is working out on a treadmill when the machine malfunctions, stopping suddenly and causing them to tumble off and sprain their wrist.
    Property Damage
    An instructor is stacking weights and accidentally drops a 10-pound barbell on your member’s smartwatch, which they took off while circuit training. The watch is significantly damaged.
  • How much does small business insurance for gym owners cost? Our premium pricing is determined based on the length of your coverage, whether for an hour, a day, a month, or longer. This flexibility allows you to purchase coverage exactly when and for how long you need it, making it the most affordable option on the market for on-demand small business insurance.

    Our rates start at $5/hour, $7/day, and $15/month with $0 deductible for a $1 million policy.

Fitness insurance protects your business from lawsuits, if you or your property accidently hurts a third party or damages their property.

  • Bodily Injury
  • Property Damage
  • Legal Defense
  • Medical Payments

Covered Activities

  • Aerobics Instructors
  • Dance Instructors
  • Fitness Instructors
  • Golf Instructors
  • Martial Arts Instructors
  • Personal Trainers
  • Spin Instructors
  • Swim Instructors
  • Tai Chi Instructors
  • Yoga Instructors

Excluded Activities

  • Occupational Therapists
  • Physical Therapists

What's Not Covered by Your Policy

  • Activities Involving Firearms
  • Performing Work over Three Stories in Height (30 feet)
  • Work on 10 or More New Homes or New Residential Units in Any One Project or Development
  • These excluded activities
  • See full policy for details