Looking for Fitness / Sports Centers Insurance?
Protect your fitness facility from member injuries, equipment damage, professional liability, and property claims. Harper provides coverage for gyms, studios, CrossFit boxes, and sports training facilities.
What is Fitness / Sports Centers Insurance?
Fitness insurance protects gym and sports facility owners from risks such as member injuries, equipment failures, instructor liability, and property damage. Coverage commonly includes general liability, professional liability, and property protection. Landlords and equipment lenders typically require proof of insurance before leasing space or financing equipment.
Member Safety
Covers injuries to members during workouts, classes, or general facility use.
Equipment Protection
Covers gym machines, weights, flooring, and specialized fitness equipment.
Instructor Liability
Protects against claims alleging training errors, negligent instruction, or improper supervision.
Certificates
Fast proof of insurance for landlords, lenders, and business partners.
Who Needs Fitness / Sports Centers Insurance?
Why Harper?
Fitness Industry Expertise
Harper understands the physical risk inherent in fitness environments: free weights, high-impact training, and instructor-led programs and structures coverage accordingly.
Fast Proof for Leases & Financing
Landlords and equipment lenders often require certificates before move-in or delivery. Harper provides fast documentation to keep operations moving.
Clear, Practical Guidance
We explain liability, professional coverage, and equipment protection in plain language so gym owners know where coverage applies.
Coverage Matched to Your Facility
From boutique studios to full-service gyms, Harper aligns coverage with your training style, equipment, and member activities.
Frequently Asked Questions
What insurance do fitness centers need?
General liability for member injuries, professional liability for instruction, property coverage for equipment, and workers comp if you have employees. Youth programs may require abuse coverage.
Is fitness insurance required?
Yes. Most landlords and equipment lenders require liability and property insurance.
How much does fitness insurance cost?
Small studios often pay $1,500–$4,000 annually. Larger gyms may range from $5,000–$15,000+ depending on size and equipment value.
Does insurance cover weightlifting injuries?
General liability may cover injuries when equipment is properly maintained and supervision and waiver procedures are in place.
Does insurance cover equipment breakdown?
Equipment breakdown coverage can protect against mechanical failure and repair costs.
Can I add landlords as insured?
Yes. Lease agreements often require landlords to be added as additional insureds. Harper handles certificates for compliance.