Keep them moving. Keep yourself covered.
Coverage for gyms, boutique fitness and cycling studios, yoga and pilates, martial arts, climbing gyms, personal trainers and youth sports.
By Sam Alishahi · CA Insurance License #4348151 · Reviewed October 2026 · How this page is researched
Injuries are part of the business
Fitness claims usually come from members hurt on equipment or during a class, and from instruction: a trainer's advice or correction that leads to an injury. That's professional liability, alongside general liability for the facility. Waivers help but don't replace insurance.
Equipment, build-out and lost income after a closure round out the package, plus abuse coverage for programs working with kids. I place sports and wellness coverage through programs that specialize in fitness and athletics.
- General liabilityMember and guest injuries at your facility.
- Professional liabilityClaims arising from instruction and training.
- Property and incomeEquipment, build-out and lost income after a covered loss.
- Abuse coverageFor youth programs and camps.
What underwriters will ask
Having these ready means I can go to market on the first call. The quote form asks for the same things, and anything you don’t know yet can wait.
- Business: type of facility or program and years open.
- Members: members, classes per week and ages served.
- Staff: employees and independent instructors, and certifications.
- Facility: square footage, lease, equipment value, pool or sauna.
- Waivers: member waivers and contracts.
- History: current policies and claims.
Gym & fitness insurance, answered
Do waivers mean I don't need insurance?
No. Waivers can help, but they don't stop every claim, and defense costs apply either way.
Do independent trainers need their own coverage?
Usually. Many gyms require independent trainers and instructors to carry their own liability and name the gym.
Are youth sports programs covered?
They can be, and programs with children should include abuse and molestation coverage.
What do underwriters rate on?
Type of facility, members, activities, staff, equipment and claims history.
Do you offer gym and fitness studio insurance outside California?
Yes. Clients across the country send the same quote form. California policies are placed directly; outside California the request is handled together with a partner agency in your state, and the shopping across carriers works the same way. Rules, minimums and markets differ by state — see insurance requirements by state.
Tell me about your studio. I'll shop it.
Your facility type, members and classes are enough to start.
Alishahi Insurance · Saman Alishahi, independent insurance broker, California License #4348151. General information, not a quote or a promise of coverage; coverage depends on underwriting and the terms, conditions and exclusions of the policy actually issued.
Tell me how to reach you. I’ll take it from there.
Takes about 30 seconds. I review every request personally and call you back, usually the same day.
(424) 552-4545Answered 24/7 · CA License #4348151
Get a reminder before your renewal.
Tell me when your policy renews and I’ll email you about six weeks before, when it’s worth comparing. One email, no calls.