Our policy is designed for individual professionals providing services. A trainer must be present and supervising when clients are using the gym facilities. If you have clients using your gym facilities unsupervised, please reach out to our broker, NEXO Insurance, at alternativebalance@nexoins.com or 323-408-2650 for a custom quote.
GYM AND FITNESS STUDIO INSURANCE
PEACE OF MIND FOR SOLO FITNESS ENTREPRENEURS
As an independent boutique gym or fitness studio owner, your clients' health and wellness are your top priorities. But running a fitness business by yourself means you shoulder all the risk alone. Getting the right independent gym liability insurance shouldn't be a hassle.
With Alternative Balance, along with exclusive member benefits, you can secure comprehensive, instant coverage tailored specifically for solo fitness entrepreneurs in less than 10 minutes. Protect your passion, secure your assets, and get back to what you do best.
Why Independent Gym Owners Choose Alternative Balance
We specialize in insurance for independent, solopreneur fitness professionals. When you join Alternative Balance, you aren't just getting a policy—you get a business partner.
- Instant Online Coverage: Quote, buy, and receive your proof of insurance in under 10 minutes.
- Built-in Business Tools: Member benefits include access to free, high-quality risk management tools, including professional liability waivers and client intake forms.
- Tailored for Solopreneurs: Affordable rates designed specifically for independent owners who run their studios without an external staff.
What Coverage is Included in My Gym Insurance Policy?
Our comprehensive policy protects solo gym owners from the unique risks of the fitness industry, combining general liability, professional liability, and property protection into one seamless membership.
Exclusive Member Benefits Included FREE:
Free Business Personal Property & Business Interruption (BPP/BI)
Every membership automatically includes $10,000 for equipment (BPP) and $10,000 for business interruption (BI) at no extra cost. Need more? You can easily upgrade your BPP/BI limits up to $325,000 directly on your application to fully protect your fitness machines and tech.
Free Participant Accident Coverage
Get built-in peace of mind with medical expense, accidental death, dismemberment, and paralysis benefits for clients injured at your gym—regardless of fault. This unique coverage allows you to support your clients right away and preserve your working relationship before a legal demand is ever made. (Note: Incidents must be reported immediately through your AB account to prevent legal demands and lawsuits being made before medical bills can be paid).
Do You Need a Custom Gym Insurance Quote?
Our instant online policies are optimized for solo, independent owners. You require a comprehensive review from our specialized insurance brokers if your business includes any of the following:
- Employees or Independent Contractors: You hire staff to help run your gym. Note that independent contractors may be eligible for Alternative Balance membership. You can get compensation for referring them to us through our Affiliate Program. Earn $20 for each referral who joins using your link!
- Strict Landlord Requirements: Your lease requires complex or higher-limit physical building coverage.
- Unsupervised Gym Access: Clients are permitted to use your gym facility or equipment unsupervised.
- Multiple Locations: You operate your fitness brand across more than one physical site.
Not a solo owner? Contact Our Broker Team Today for a full, customized policy review to ensure your multi-faceted business is fully protected.
Gym Owner Insurance
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.
As a gym owner do I need to add my employees to my policy?
Any independent contractors, employees, or volunteers are not covered under your policy. Our program is designed to cover individual professionals only. Please contact us for more details and assistance.
Is my gym equipment and building covered?
Alternative Balance members have access to purchase a Business Personal Property coverage plan to cover gym equipment. You can find more information on this plan via your members only area when logged into your account at www.AlternativeBalance.com.
At this time, we do not offer coverage to protect the entire building, just your gym business contents within it.
Share this page!
