Fitness Center, Health Club & Gym Insurance

Insurance Designed to Protect Fitness Centers & Gyms

You provide a variety of workout equipment and activities to challenge your members.

Each day you make sure they have a safe and enjoyable workout experience at your health and wellness center, but you need to be prepared for the unexpected.

Your facility may range in size from a small studio to a multi-activity fitness center to a community sportsplex, including:

Group training, private training, boot camps, corporate fitness programs, independent exercise instructors (Pilates, yoga, tai chi, aerobics) are eligible for our fitness center insurance program.

Whether you cater to all ages and activity levels or focus on elite performance, please phone or email Kevin Morency with any questions.

It’s easy to get started on your quote.

Our online questionnaire works great on smart phones, tablets, desktops and laptops.

Just click to get started…

To receive your quote…

  • Complete the questions
  • Click “Submit” when you’re done.
  • You’ll get a “Thank you” screen to tell you we received the form.

Fitness Insurance Program Highlights


General Liability – up to $1 million per occurrence / $3 million aggregate

  • Premises & Operation – available to policy limits
  • Professional Liability – available to policy limits
  • Products & Completed Operations – available to policy limits
  • Fire Legal – available to policy limits
  • Personal & Advertising Injury – available to policy limits
  • Employees & Volunteers as Automatic Insureds

Additional Coverages Available

  • Abuse and Molestation
  • Childcare Liability
  • Liability regarding injuries to participants
  • Professional Liability for Instructors
  • Massage Therapist Professional
  • Tanning including Spray-on and Airbrush
  • Property
  • Business Income – no waiting period or deductible (actual loss sustained)
  • Equipment Breakdown fro electrical and mechanical systems malfunction
  • Commercial Auto
  • Crime
  • Mobile Equipment
  • Umbrella – up to $10 million
  • Employee Benefits Liability – claims made to $1 million
  • Employment Practices Liability – $100,000 limits, higher limits available
  • Directors & Officers (not-for-profit)
  • Workers Compensation

Note: All coverages may not be available in all states.


Payment Plans

Our specialty business insurance coverages offer convenient, no interest payment options with flexible payment terms. This gives you more control over your cash flow so it’s easier to manage your bottom line. 

Flexible Payment Terms—Pay as little as monthly

Choose the payment option that fits your budget. Because sometimes a smaller monthly payment is easier on you.

  • Annual
  • Semi-annual
  • Quarterly
  • Down payment plus 9 equal payments
  • Monthly

Convenient, No Interest Payment Options

Pick the method that works best for you…

  • Electronic funds transfer—$1 fee per installment
  • Online or by phone—$7 fee per installment
  • Charge to credit card—$7 fee per installment

Prefer to Manage Only One Bill?

Complete coverage may be available for your business insurance needs in one comprehensive insurance package.

Call or email Kevin Morency today and receive a quick turnaround on your quote.