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Gym Insurance

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

Get an hourly, daily, or monthly insurance policy in 60 seconds. Get a Quote See covered activities

Gym owner insurance, simplified.

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?

The cost of your Gym Owner Insurance Policy depends on a few factors. Things like your zip code, your coverage limit, the size of your team, and the length of your coverage all play a factor in determining the risk that comes with insuring your business.

With Thimble, you don’t have to commit to long, expensive policies, though. You can access flexible Gym Owner Insurance through the Thimble app and customize your coverage down to the month, day, or hour. Plus, if you need to add Additional Insureds, you can tack them on to your coverage with Thimble at no extra cost.

To get an accurate idea of how much Gym Owner Insurance would cost you and your business, get a quote from Thimble.

Get a Quote


How quickly will I get a Certificate of Insurance?

Instantly. We’ve digitized the entire experience so that you’ll receive a certificate of insurance in your inbox immediately after purchasing a policy with Thimble.

You can also add and modify your Additional Insureds as many times as you’d like directly from the Thimble App.

Have questions? Visit our FAQs

Fitness insurance protects your business from lawsuits, if you or your property accidentally 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
  • See full policy for details

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

Policies start at just $5/hr
"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

We make business
insurance simple.

Flexible Coverage

Buy Thimble On Demand by the hour, day, or week, or get Thimble Monthly to keep the clock running.

Instant Certificates

Get an Acord 25 Certificate of Insurance in your inbox (and your client's) in less than 60 seconds.
  • New Crew Member
  • Policy Extended
  • Additional Insured

Full Control

Add crew and Additional Insureds instantly. Cancel or modify your policy, anytime, for free.

The information provided is intended to be a description of coverages only. There is not guarantee of coverage. If there is a conflict between the description contained herein and the insurance policy contract, the terms of the policy shall control.

Coronavirus and your business

We know your small business has likely been impacted, so we've put together some resources that we think may be useful.