Fitness Studio Insurance

Independent contractors (non-employees) are covered only if the optional coverage available with this program is purchased. If this optional coverage is not purchased, as a studio/facility owner, you need to require that all independent contractors (non-employees) working at your location(s) obtain professional liability coverage and name your business as an additional insured to their instructor policy and submit proof of this coverage to you. 

Coverage does extend to incidental virtual training provided by you (the named insured) to your clients/ members. The policy is intended to extend bodily injury coverage for training available to your clients/ members only (through a private platform such as a password protected website or a closed Facebook group) - Coverage does not extend to any training material that is accessible to the general public. Reasonable precautions should be taken when assessing potential new clients/members online, including but not limited to: health assessments, waivers/release forms, and interviews prior to instruction or training. We encourage you to consult with an attorney to consider special waiver/release agreements that will apply specifically to virtual training. Virtual training/instruction does not extend to any training/instruction that includes gymnastic apparatuses, tumbling, or stunting (including pyramids), or in-water activities. We do not provide coverage for cyber liability, so if you are taking payment or collecting personal information online and it is compromised, there would be no coverage under the general liability policy.

No. You will receive a certificate of insurance as proof of coverage. By applying for this insurance, you are applying for membership in the Sports, Leisure and Entertainment Risk Purchasing Group (RPG), a group formed and operating pursuant to the Liability Risk Retention Act of 1986 (15 USC 3901 et seq.). Coverage is offered exclusively through the Sports, Leisure and Entertainment Risk Purchasing Group (RPG). The RPG receives a master policy from the insurance company. Submission of this enrollment form confirms your desire to receive coverage through the RPG. Each member receives their own certificate of insurance as evidence of coverage. The limits of insurance apply individually to each insured member organization - there are no shared limits of liability with any other members. For a copy of the RPG master policy, please submit your request in writing to: K&K Insurance Group, In., PO Box 2338, Fort Wayne, IN, 46801-2338.

Even small fitness studios face many of the same risks as larger gyms: clients can slip on floors, trip over equipment, strain a muscle, or claim that a class or workout caused an injury. As the studio owner, your business can be held responsible for accidents that occur on your premises or that are tied to your operations. Commercial general liability insurance for fitness studios is designed to help protect your business if a third party alleges bodily injury or property damage. Without this coverage, legal defense costs, settlements, or judgments may have to be paid out of the studio’s revenue, or even your personal funds, putting your business and livelihood at risk, even if your space is small and membership is limited.

Small studios often feel more controlled and community‑oriented, but that doesn’t eliminate risk. In fact, smaller spaces sometimes bring clients, equipment, and instructors closer together, which can increase the chances of collisions, trips, or accidental contact with equipment or other participants. Even in a boutique setting, a single claim, such as a fall during a busy class, a client dropping a weight, or an allegation that your programming led to an injury, can create significant financial pressure. Liability insurance for fitness studios helps protect your business so one incident doesn’t derail you.