FITNESS GYM & STUDIO

Fitness Gym & Studio Insurance

Protecting members, instructors, and active environments

Fitness gyms and studios operate in physically demanding environments where member safety, instruction quality, and facility conditions are critical. From participant injuries and equipment incidents to employment claims and property damage, fitness-related risk is constant.

A properly structured insurance program helps protect both the business and the community it serves.

Key Risks in Fitness Operations

Gyms and studios face exposure related to:

• Participant injuries during training or classes

• Allegations of improper instruction or supervision

• Equipment-related accidents or failures

• Slip-and-fall incidents in locker rooms or common areas

• Employment practices and worker injuries

• Property damage or forced closures

Waivers help — but they do not eliminate liability.

Core Coverages for Fitness Gyms & Studios

Fitness insurance programs typically include:

General Liability
Protects against bodily injury and property damage claims involving members, guests, or visitors.

Professional Liability
Covers claims alleging improper instruction, training methods, or supervision by instructors or trainers.

Workers’ Compensation
Provides statutory benefits for employees injured on the job and protects employers from workplace injury claims.

Commercial Property
Covers fitness equipment, furnishings, and tenant improvements against covered losses.

Umbrella / Excess Liability
Provides additional limits for severe injury claims or multi-claim incidents.

What’s Commonly Overlooked

Fitness insurance programs are often weakened by:

• Missing professional liability coverage for trainers

• Overreliance on waivers without adequate insurance

• Improper classification of independent contractors

• Underinsured equipment and build-outs

• Inadequate limits for catastrophic injury claims

These gaps often surface after serious injuries.

Real-World Claim Examples

• A member is injured during a group fitness class

• A weight or machine malfunctions and causes injury

• A trainer is accused of improper instruction

• Fire or water damage forces temporary closure

Fitness claims often involve medical costs and litigation.

Why Proper Placement Matters

Fitness coverage varies significantly based on:

• Type of training offered

• Member participation levels

• Staffing and contractor structure

• Facility layout and equipment use

Improper placement can result in uncovered or denied claims.

Our Approach

At Cory Washington & Co., we approach fitness insurance with a risk-first mindset. We align coverage with training models, staffing structures, and facility exposure — ensuring protection supports growth, not just compliance.

Active businesses require active protection.