Health Club and Fitness Center Insurance

If you’re looking for Health Club or Fitness Center Insurance, you’ve come to the right place.

Tomins understands that the life of a gym owner is full of unexpected twists and turns — the last thing you need is another thing keeping you up at night.

That’s why we take the time to understand each business we serve to make sure we’re delivering a policy that makes sense for their unique needs. Our consultative approach to Fitness Center Insurance helps make sure you’re getting all the coverages you need and none that you don’t.

At Tomins, we pride ourselves in delivering the right coverage at the right price. Every time.

Get your free Tomins Fitness Center Insurance quote today.

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Why Do I Need Insurance for Gym?

Working out is a high-intensity activity with an above-average risk for injury.

At the end of the day, even a Personal trainer should be carrying insurance. The last thing you want is to end up with a coverage gap when someone gets hurt.

At Tomins, we realize different fitness business professionals have different needs.

Rather than take the cookie-cutter approach to insurance that many others employ, we do what it takes to learn about your specific operation before custom-tailoring a unique policy made specifically for your business.


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Closeup of a woman in a dark tank top picking up dumbbells from a rack in a fitness center

Recommended Fitness Center Insurance Coverages

As you can probably guess, your fitness center Insurance needs will vary based on the scope of your operation, location and other factors.

That said, there are a few essential coverages that Tomins recommends almost every gym owner carries.

Commonly bundled into a Commercial Insurance Package, these fundamental coverages include:

Commercial Property Insurance

If you lease or own a gym, Commercial Property Insurance can help protect it from loss or damage.

This coverage is designed help with the costs of repairing or replacing your business’s physical property, building or buildings, and equipment in the aftermath of an incident.

General Liability Insurance

Perhaps the most important insurance coverages for a gym to carry, General liability (GL) insurance can help pay for damages or injuries sustained by others as a result of your business operation.

GL coverage can help you cover expenses including, but not limited to, lawsuits, settlements, legal fees, court costs and more.

Business Income Insurance

When added to a Commerical Property Policy, Business income coverage can reimburse you for lost income during the recovery phase of another covered claim that interrupts your business.

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Other Fitness Center Insurance Coverages You May Want to Carry

The best way to know the coverages that make the most sense for your Fitness Center or Health Club is with the help of a Fitness Center Insurance Expert.

That said, Tomins understands some business owners like to do their own research before moving forward on a decision. With that in mind, here are a few supplementary coverage options to consider:

  • Employment Practices Liability Insurance
  • Employee Benefits Liability Coverage
  • Workers Compensation Insurance
  • Equipment Breakdown Coverage
  • Professional Liability (E&O)
  • Cyber-Attack Coverage
  • Commercial Auto

If your gym has employees, Workers Compensation and EPLI are especially important coverages to consider. If you store sensitive client financial information, you should probably also consider Cyber-Attack coverage.

If you need more information on the coverages available for your business, feel free to reach out to a Tomins Gym Insurance Expert now.

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How Much Does Fitness Center Insurance Cost?

The cost of Fitness Center or Health Club Insurance depends on many factors including, but not limited to:

  • Number of Employees
  • Coverages Desired
  • Past Claim History
  • Gym Location
  • Gym Size

Just like each workout is designed to target specific muscle groups, each policy Tomins delivers is designed to best serve the needs of the gym that will carry it.

While it’s difficult to quote an exact price without knowing the specifics of your operation, you can trust us to offer the right coverage at the right price.

Every time.

Get your free personalized Fitness Center Insurance quote now.

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What Do I Need to Get My Fitness Center Insurance Quote?

To help Tomins design the perfect policy for your needs, we ask that you gather the following information before applying:

  • Gross Annual Sales
  • Business Address and Tax ID
  • Target Effective Date (Date of Policy Start)
  • Number of Employees you Currently Employ
  • Information about other insurance you currently hold
  • Volume, Nature, & Storage Method of Client Data
  • Proof of professional licensing & other relevant
  • Brief Description of Your Business Operations
  • History of Past Claims (at least 3 years)

TOMINS—mindful insurance today, successful Fitness Center tomorrow.

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