Gym & Sporting Facility Insurance

Your gym and fitness facility may employ trainers with varying levels of experience. And, undoubtedly, your equipment is extensive and very expensive. Trigon’s brokers will protect you with a comprehensive insurance policy that ensures you have all your bases covered if the unexpected happens!


Who needs Gym & Sporting Facility insurance?

  • Gyms
  • Fitness facilities & health clubs
  • Yoga studios
  • Dance studios
  • Rock climbing facilities

What does gym & sporting facility insurance cover?

Commercial General Liability (CGL) Insurance will cover you for claims of bodily injuries and property damage occurring at your gym or fitness studio. For example, suppose someone slips and falls on a wet floor or a machine tips over and injures someone. In that case, your CGL policy will respond to cover the legal fees and damage awards.

Commercial Property Insurance protects your gym or fitness studio and its contents, like expensive exercise equipment or computers used for administration, against insured risks, including but not limited to fire, theft, or water damage.

Professional Liability Insurance, or Errors and Omissions (E&O) Insurance, for gyms and fitness studios, can cover you for any legal fees and settlement awards if you’re sued for allegations of negligence or failure to deliver your promised services.

Frequently Asked Questions

Are fitness instructors covered under the gym’s insurance policy?

Not necessarily. If the gym itself employs fitness instructors, they would be covered under its insurance policy. If they’re independent/freelance fitness instructors utilizing the gym or studio space, they may need to purchase their own Personal Trainer Insurance.

What’s an example of a gym insurance claim?

Your clients could slip on wet floors, trip over loose wires or equipment, or injure themselves from overexertion during a personal training session. There are many potential risks gym owners face, so you need to have the proper Commercial General Liability (CGL) coverage in place.

Questions? Let us help you.

Speak with a broker to learn more about gym and sporting facility insurance.