FAQ’s
We’ve gathered the most common questions from gym owners, fitness trainers, and studio managers across California and the USA.
Usually Asked Question
Answers to Common Questions About Sports & Fitness Insurance
It’s a form of insurance that helps protect your fitness business (gym, studio, trainers) from claims of bodily injury, property damage, or lawsuits arising from client accidents or negligence.
Yes — many gyms require it. Independent trainers should get professional liability and general liability to protect against injury claims or negligence.
Common coverages include general liability, professional liability (errors & omissions), property insurance (for equipment, facility), workers’ compensation, and sometimes cyber liability.
It depends on size, location, services offered, number of members, claims history, etc. For example, average general liability premiums for fitness centers are about $69/month in the U.S.
A typical policy might be $1,000,000 per occurrence / $2,000,000 aggregate for liability. Higher limits can usually be purchased.
Usually no — independent contractors should have their own professional liability insurance. Studios can cover facility liability, but not a contractor’s individual training risk.
Slips/trips/falls, faulty or broken equipment injuries, bodily injury claims, equipment damage, and sexual harassment are among the most frequent.
Yes. Sports or fitness events have special risks (participant injury, cancellation, liability). You may need an event insurance or special endorsement.
Frequently Asked Question Services
Find quick, expert answers to help you understand your sports and fitness insurance coverage and make confident decisions for your business.
Yes — some policies or insurers allow you to work at multiple gyms, studios, or in public spaces (e.g. parks) and your coverage travels with you.
If you include property or equipment coverage, yes — damage, theft, or loss of fitness equipment can be insured.
In most U.S. states (including California), if you have employees you must carry workers’ compensation for injuries at work.
General liability covers third-party injuries or property damage (slips, falls, facility hazards)
Professional liability covers errors, negligence, or mistakes in the service you provide (training advice, coaching)