Insurance built for fitness and wellness.
Gyms, studios, trainers, and wellness practitioners — cover client injuries, professional claims, and your equipment, so you can focus on the workout.
Customer rating and 50K+ policies sold
Why fitness and wellness businesses need insurance
Clients push their limits in your space, and injuries happen. Liability and professional coverage protect you when a workout, treatment, or piece of equipment leads to a claim.
Lenders, landlords, and clients often require proof of coverage before doing business with you.
Employee accidents and injuries on the job. Workers' comp is required in most states.
Lost, stolen, or damaged property or inventory. Property coverage helps you recover.
Reputational damage and customer lawsuits can be devastating. Legal defense alone costs thousands.
Unexpected closures and lost income can drain reserves fast. Coverage keeps revenue flowing.
Cyber, management liability, professional errors, and 40+ coverage types for whatever you face.
Requirements
Lenders, landlords, and clients often require proof of coverage before doing business with you.
Accidents
Employee accidents and injuries on the job. Workers' comp is required in most states.
Loss
Lost, stolen, or damaged property or inventory. Property coverage helps you recover.
Lawsuits
Reputational damage and customer lawsuits can be devastating. Legal defense alone costs thousands.
Interruption
Unexpected closures and lost income can drain reserves fast. Coverage keeps revenue flowing.
And more...
Cyber, management liability, professional errors, and 40+ coverage types for whatever you face.
Coverage for fitness and wellness.
Liability for client injuries, professional coverage for the guidance you give, and protection for the equipment your business runs on.
General Liability
The everyday coverage nearly every small business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
The everyday coverage nearly every small business needs.
Bodily Injury
Covers medical, legal, and damage costs when someone other than you or an employee is injured and your business is responsible.
Third-Party Property Damage
Covers damage your business or an employee causes to someone else's property.
Advertising & Reputational Injury
Covers claims like copyright infringement, libel, or slander tied to your marketing.
Product Liability
Covers legal and medical costs if a product you make or sell harms someone or their property.
General liability and property coverage bundled, usually for less than buying them apart.
General Liability
Covers third-party claims for bodily injury, property damage, and personal injury.
Commercial Property
Protects your building, equipment, and inventory against fire, theft, and weather damage.
Business Interruption
Replaces lost income when a covered event forces you to temporarily close.
Equipment Breakdown
Covers repair or replacement when essential equipment fails unexpectedly.
Required in nearly every state the moment you hire.
Medical Expenses
Covers the cost of treating work-related injuries and illnesses for your employees.
Lost Wages
Provides a portion of an injured employee's wages while they're unable to work.
Disability Benefits
Pays long-term benefits for employees who can no longer work due to a work-related injury.
Employer Liability
Protects you if an employee sues over a workplace injury not covered by workers' comp.
Coverage for the vehicles your business owns or uses.
Third-Party Injury & Damage
Covers injuries or property damage your business vehicle causes to others.
Physical Damage
Covers repairs to your vehicle after a collision, theft, or weather event.
Medical Payments
Covers medical costs for you and your passengers after an accident.
Uninsured Motorist
Protects you when an at-fault driver has no insurance or too little.
Protection when your work or advice is called into question.
Errors & Omissions
Covers claims that your work, advice, or services caused a client financial harm.
Defense Costs
Pays legal fees to defend you even if the claims against you are groundless.
Settlements & Judgments
Covers court-awarded damages or negotiated settlements up to your policy limit.
Negligence Claims
Protects against claims that you failed to perform your professional duties adequately.
Protection when your data or systems are compromised.
Data Breach Response
Covers notification costs, credit monitoring, and crisis management after a breach.
Ransomware & Extortion
Pays ransom demands and remediation costs from ransomware attacks.
Business Interruption
Replaces income lost when a cyber attack forces your operations to stop.
Legal & Regulatory Defense
Covers attorney fees and fines stemming from data protection law violations.
We cover a lot more than the basics.
Explore the rest of the coverages we offer for small businesses.
Policies Sold
Top Rate Insurers
Industries Covered
Trusted by 40+ leading carriers
What fitness insurance costs
Your rate depends on your services, location, and payroll. Here's a ballpark, then get your exact quote in minutes.
- Your industry & profession
- Business size & annual revenue
- Coverage types & limits
- Claims history & location
$25 /month
Your price depends on your business. Get a quote for your exact rate.
Fitness & wellness insurance, answered
Yes — general liability covers third-party bodily injury, and professional liability covers claims that your instruction or training caused harm. Together they protect you when a client gets hurt.
If you train clients independently or at multiple gyms, your own policy follows you everywhere and fills gaps a facility's policy won't cover. Many gyms also require trainers to carry it.
Commercial property (or a business owner's policy) covers your equipment, fixtures, and contents against theft, fire, and other perils — whether you own or lease your space.
Four main things: your industry, your revenue and payroll, your number of employees, and your location. Higher-risk work costs more to insure, so a contractor on job sites will pay differently than a consultant working from a laptop. Because Coverdash compares 40+ insurers, you see competitive options side by side.
General liability is one of the most affordable policies, often starting at around $[X] per month for a small business. Your exact rate depends on your industry, size, and coverage limits. It's also available bundled into a Business Owner's Policy, which can lower your total cost.
Yes. Bundling policies like a Business Owner's Policy, choosing coverage limits that match your actual risk, maintaining a safe claims history, and paying annually can all reduce your premium. Comparing carriers matters too, which is exactly what Coverdash does for you.
Both options are available. Monthly payments spread the cost out and are easier on cash flow, while paying annually often comes with a small discount. You can choose what works best for your business at checkout.
Some coverage is. Most states require workers' compensation once you have employees, and commercial auto is required for business vehicles. Others, like general liability, are often required by landlords, lenders, or clients before they'll work with you, even when the law doesn't mandate them.
“Outstanding experience all around. They were thoughtful, efficient, and delivered exactly what I needed for my company’s insurance and no upselling, just straightforward guidance. Would absolutely work with him again.”
Patrick S.
“I found them while searching for new commercial insurance. They are fantastic. The one thing that is most important is communication. They do a great job with communicating everything with us, along with trying to find us the best deal possible. I would recommend Coverdash to others.”
Lisa S.
“Coverdash has been amazing to work with! They listened, truly listened, to what I needed. I am in a niche market, and no one from the 10 other companies I tried to work with would listen. They were quick to make progress on a quote and kept me in the loop the whole way. I would 💯 suggest working with them.”
Mandy M.
“My csr has been wonderful!!! The most helpful and quickly, very quickly helped me get certificates to the marinas. Excellent at explaining and helping me!!!”
Terry N.
“Coverdash did a great job of getting us a quote and saving us money! They did well at communicating and answering our questions.”
Bonnie M.
“What a good experience . I had been unsuccessful in trying to get General liability for my business . They were very professional and tireless in getting two bids for me .They were patient with my struggles trying to navigate the technical end of things telling me they would help me every step of the way and they did just that ..even reading the exclusion to me .. They were patient in explaining all the terms I did not understand and sent copies of everything . They were prompt to respond to my calls and I will definitely use them again for all my insurance needs.”
Joey W.
“They helped me secure & submit insurance requirements with less than a 24 hour timeline. It was the difference between getting a contract or not for me, even though the time crunch wasn’t their problem, they helped me secure what I needed to make it happen. When AI and computers have limits, a real person knows how to get past hurdles. Highly recommend Coverdash, so glad I found them.”
Whitney C.
“I reached out to Coverdash for assistance with a COI, they were responsive and helpful throughout the process. I appreciate all their efforts to get a COI that suited my needs.”
Michael C.