Fitness business insurance cost

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General Liability
Equipment Coverage
$1,000,000 Limit
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A pulled hammy or minor sprain may not seem like that big of a deal in the grand scheme of things. But what happens if your customer decides that, instead of “walking it off,” they’re going to sue you for the cost of medical treatment, lost wages due to their rehab sessions, and maybe even attorney fees? Frivolous or not, your business could be facing a pretty serious gut punch, which is why Fitness Business Insurance is worth the cost.

Like a well-toned six-pack, Fitness Business Insurance safeguards you from some of the most common risks your business faces on a daily basis. Now that we’re warmed up, let’s begin breaking down the costs.

How much does Fitness Business Insurance cost?

With Thimble, you can customize your coverage length to best suit the needs of your business. Here’s the average cost of Fitness Business Insurance, based on the policy length you choose:



If your fitness business has physical property, whether that’s a building you own, workout equipment, or both, you will also want commercial property insurance, which is available through Thimble’s Business Owners Policy (BOP) coverage. A BOP combines general liability insurance and commercial property insurance to help fitness businesses cover first-party property damage and third-party liability. The median cost of a BOP is $85.50.

What factors influence Fitness Business Insurance cost?

Whether your fitness business focuses on pilates, martial arts, swimming, or Zumba, there’s no one-size-fits-all when it comes to Fitness Business Insurance. Fitness Business Insurance cost depends upon a variety of factors including:

Business location

Your business’s zip code will be a factor in determining the level of risk you present and, therefore, your cost. For example, a cycling studio located in a flood zone that also has a high frequency of crime is likely to pay more than a competitor located on high ground in a sleepy suburb.

Policy length

As detailed in the average prices listed above, your premium cost will also vary based on whether you choose to get coverage by the job, month, or year. Kind of like a gym membership, you pay more overall for longer coverage periods.

Crew size

Larger teams entail more risk. Generally, the more trainers and instructors you employ, the higher your premium cost.

Amount of coverage needed

Dumbbells come in various weights, and so do our coverage limits. This probably comes as no surprise, but the more coverage you purchase, the more it will cost.

Deductible limits

A deductible is the amount you are responsible for paying out-of-pocket before the policy can respond to a claim. If you select a higher deductible amount, you lower the insurance company’s risk level as well as your cost. But, should you need to file a claim, you’ll also pay more out of pocket.

What does Fitness Business Insurance cover?

Fitness Business insurance helps you mitigate the costs that can result from mishaps with the following types of coverage:

  • General liability insurance: If you’re in the middle of a training session and your client tears their meniscus, they may blame you and expect you to pay for their medical expenses. Or, say you’re a yoga instructor at an in-home session and accidentally knock over an expensive vase during downward dog. Your client may hold you responsible for replacing it.

    For instances like these, general liability insurance covers claims related to a client’s (or other non-employee) bodily injury, property damage, or personal and advertising injury. If you get sued, general liability insurance also provides for the investigation, legal defense, and settlement.

  • Professional liability insurance: As a fitness professional, clients often look to you for guidance so they can reach a goal. For example, it could be to help them with weight loss as a personal trainer or to help a student win an athletic scholarship.

    That said, sometimes things go wrong. Clients may get hurt, require medical attention, miss work resulting in lost income, or claim other damages due to your advice (or failure to follow your advice). Professional liability insurance, also called errors and omissions (E&O), helps to cover your costs if you are sued for negligence.

  • Commercial property insurance: If your gym or studio has a fire, you’ll likely be forced to close in order to rebuild. Or let’s say your fitness center is broken into, and your expensive fitness equipment is stolen. That could sideline you for quite a while.

    Commercial property insurance covers the building where your business operates (if you own it) as well the contents within the building or within 100 feet of it from damage or loss. And if you need to temporarily close your business due to a covered event such as a fire, it will cover your expenses and lost income. At Thimble, commercial property insurance comes bundled together with general liability insurance in our Business Owners Policies (BOP) for more convenient coverage.

  • Equipment insurance: If you’re a golf instructor and someone walks away with your expensive set of clubs at a tournament, it may cost as much as the championship purse to replace them. Equipment insurance can cover theft, accidental loss, and damage to equipment your business owns or rents.

Insurance (almost) as flexible as a fitness instructor

Thimble’s Fitness Business Insurance protects your business from the financial consequences of the most common risks your fitness business faces. And, like a well-rounded workout practice, we offer the flexibility you need to match the right kind of coverage to your business.

Just HIIT “get a quote,” download our app, or give us a call to get going. It’s coverage that’s simple, scalable, and flexible. Now, one more rep.

Fitness Business Insurance cost FAQs

Do I need business insurance to run a fitness class?

Yes, like other types of businesses, you are at risk of being sued for bodily damage, property damage, and errors and omissions. Thimble’s Fitness Business Insurance covers businesses like yours so you can focus on your client’s next PR.

Do I need Business Insurance if I have an LLC?

While an LLC can help to protect your personal property in the case of a lawsuit, your business is still vulnerable to a wide range of liabilities. So, in short, yes. It’s a very good idea for an LLC to have business insurance to cover the costs associated with third-party liabilities and property damage.

What insurance do gym owners need?

A good workout routine combines several types of exercise like cardio and strength training. Similarly, Gym Business Insurance combines multiple types of coverages including commercial property insurance and general liability insurance.

If I conduct fitness classes where I reside, do I need home Gym Business Insurance?

Yes. Most homeowner policies exclude losses caused by business activities conducted on the premises. We recommend you purchase Fitness Business Insurance even if you operate a home gym business.

Does Fitness Business Insurance cover my instructors and trainers as well?

Your Fitness Business Insurance will provide the same coverage for third-party liabilities to your employees, including instructors and trainers operating under your supervision. But for work-related injuries incurred by your employees, you will need to purchase workers’ comp insurance, which is required by most states.