The Short Answer
As a gym owner you face daily liability exposure from member injuries, equipment failures, slip-and-fall accidents, and claims arising from fitness instruction. A commercial general liability policy is the non-negotiable foundation of your coverage program.
Beyond general liability, gym owners need professional liability (covering advice given by trainers), property insurance for your equipment and facility improvements, workers compensation for employees, and an umbrella policy to sit over all of it.
Players Health offers gym insurance packages that bundle all critical coverages in one policy with a single premium, single expiration date, and a single certificate of insurance you can share with your landlord, franchisor, or municipality.
Pricing for a small independent gym starts around $1,200–$2,500 per year for a bundled policy. Larger multi-location gyms or franchisees should speak with a Players Health specialist to build a customized program.
Coverage Overview
| Coverage Type | Applies? |
|---|---|
| General Liability | ✓ |
| Professional Liability / E&O | ✓ |
| Abuse & Molestation | ✓ |
| Directors & Officers | – |
| Accident Medical | – |
| Workers Compensation | – |
| Property Coverage | – |
| Umbrella / Excess | ✓ |