Fitness Center Insurance


Insurance for Fitness & Wellness Professionals

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As a fitness and wellness professional, you have worked hard to establish yourself ethically and professionally with your clients, but we understand it only takes one lawsuit to stop your passion in the industry and your ability to work. Do you have the coverage that you need and your employers want?

Our program covered is specifically designed to meet the unique needs of a U.S. based personal training, exercise, aerobic or yoga/pilates instructor directly supervising an individual or group engaged in fitness and exercise activities. Please note: This program does not provide coverage for the operation, ownership or management of a fitness, sports or dance facility.

Eligible activities would include the following:

  • Aerobics
  • Aquatic Exercise
  • Cardio Kickboxing
  • Dance
  • Exercise
  • Hoop Fitness
  • Personal Training
  • Pilates
  • Spinning
  • Strength
  • Yoga
  • ZUMBA®

Please click here to fill out an online application and submit it.


Insurance for Businesses Operating as a Fitness Facility

fitnesscenter insuranceA wide range of facilities are eligible for this program; from small personal training studios to big box facilities with a full range of equipment and amenities. Our program is specifically designed to meet the unique needs of a business operating fitness facility.

Facility coverage includes:

  • Gym & Fitness Center
  • Yoga Studios
  • Dance Schools & Studios
  • Racquet Clubs
  • Tennis Centers
  • Fitness Management Firms
  • Pilates Studios
  • Aerobics Studios
  • Group Trainers
  • Martial Arts Studios
  • Group Exercise Instructors
  • 24 Hour Clubs

General & Professional Liability Coverage
Each Occurrence, Includes Professional Liability - $2,000,000
General Aggregate Limit - $4,000,000
Personal and Advertising Injury Limit -  $2,000,000
Fire Damage Limit – any one fire - $2,000,000
Abuse or Molestation Defense Cost – per occurrence - $1,000,000
Medical Expense – including participants - $10,000


Description of Coverage Available

Advertising Injury
Protects against claims arising out of misappropriation of advertising ideas such as the infringement of copyright on titles or slogans committed in the course of advertising your services.

General Liability
Protection for any claims arising from the facilities you own, rent or occupy. You are indemnified for alleged negligence resulting in bodily injury, property damage or personal injury.

Limited Cyber Liability
Personal and Advertising Injury coverage for incidents that result from an unauthorized person hacking into your computer network or website.

Medical Payments
Reimburses a third party for medical expenses incurred as a result of bodily injury.

Personal Injury
Protects against suits involving libel, slander and wrongful invasion of privacy.

Professional Liability
Protects you against bodily injury to a client arising from a failure to render “professional services,” defined as “the providing of physical training, fitness counseling and nutritional counseling for a fee.”

Property Coverage
Full property coverage for buildings, tenant renovations, interruption in your business, your equipment breaking, sewer issues and other related issues.

Sexual Misconduct
Pays to defend insured against allegations of sexual misconduct.

Worker Compensation
Providing state mandate coverage for your employee(s).



Our carriers have endorsements or affiliations with:

Nepenthe - personal training

Medical Fitness Network (MFN)

Association of Fitness Studios (AFS)


Click here to get a FREE QUOTE.