Gym, fitness, and CrossFit studio owners take great care to provide a positive experience for their clients. Getting the right insurance for your gym shouldn't be a hassle! Whether it's just you or if you have multiple employees working as personal trainers with your clients, or whether you're the gym or studio owner and need coverage for your equipment, we've got the right insurance for you. In less than 10 minutes, you can have instant access to insurance for your gym or fitness studio. Alternative Balance also wants to help you protect your business with high quality member tools like liability waivers and client intake forms.


  • General & Professional Liability  
  • Products-Completed Operations  
  • Damage to Premises Rented to You  
  • Third-Party Medical Expenses  
  • Personal & Advertising Injury  
  • Defense Costs  


Business Personal Property & Business Interruption ("BPP/BI") coverage is now included FREE with your Alternative Balance membership! That's $10,000 for your equipment and $10,000 for business interruption for no additional cost!

Plus, automatically get accident coverage which includes payments for medical expenses and accidental death, dismemberment and paralysis benefits for your clients who are injured – regardless of who is at fault for the injury. Visit our Coverage page for more information.

We also offer optional Sexual Abuse Liability as well as Cyber Liability, which protects your business in the event of a cyber attack or hack.

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Gym Examples

What if??

Wondering what kind of claims could be covered by gym or fitness studio insurance? We've got some examples to make it easy.

  • General Liability: Client is using equipment and falls, hitting their head on the equipment.
  • Professional Liability: You are working with a client who is doing bench presses, and you leave their side to get water without telling them to stop the movement first. They lose control of the weights and get injured because you weren't there to spot their movements.
  • Damage to Premises Rented: Your client drops the weight bar on the floor and damages the hardwood flooring in your rented space.
Note: These are just examples. Your claims adjuster will have the final say in coverage and payouts.

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Gym Owner Insurance


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Member Benefits

We offer more than just insurance. Our membership benefits include discounts on health & dental insurance, form templates to help you run your business and tools to manage your websites, marketing and more!

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Gym Owner Coverage FAQs

Our Support FAQs have the answers you are looking for. If you still have questions, our Customer Service Representatives are eager to help.

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General & Professional Aggregate

The most your policy will pay in a 12 month policy period for bodily injury and property damage claims that you become legally obligated to pay due to your business and professional services.

Products-Completed Operations Aggregate

The maximum amount your policy will pay in a 12-month period for bodily injury and property damage claims that result from the products you use to perform your services.  However, it does not cover products that are sold or distributed.

Damage to Premises Rented to You

This is liability coverage for property damage to a premise for which the insured is liable. This coverage applies to a property the insured rents or has permission to use.

Medical Expenses

Coverage that reimburses others, without regard to the insured’s liability, for medical or funeral expenses incurred by such persons as a result of bodily injury or death sustained by accident under the conditions specified in the policy. This does not apply to the named insured or their employees.

Personal & Advertising Injury

The amount that your policy will pay for claims arising out of one or more of the following offenses:

  • False Arrest, detention or imprisonment
  • Malicious prosecution
  • Wrongful Eviction or Wrongful Entry
  • Oral or written publications that slander or libels a person or organization
  • Oral or written publication or material that violates a person's right of privacy
  • The use of another's advertising idea in your advertisement

Defense Costs

Defense Costs coverage is included in your general & professional liability insurance coverage limits. Defense Costs refers to all the costs of defending against a lawsuit. These expenses include the cost of hiring a lawyer, court fees, investigations, gathering facts, filing legal paperwork, and other related costs.
This is often the most important aspect of protecting you if you are being held liable for bodily injury or property damage resulting from your services.