Gym and fitness insurance, designed for independent operators.

Premium depends on member count, square footage, modality (traditional gym, boutique, CrossFit, MMA), pool or sauna presence, certified-trainer headcount, state, and prior loss history. Combat-sport and youth-program operations underwrite very differently than a standard fitness floor. Final cost is subject to underwriting and policy terms.

If you offer one-on-one training, youth programs, locker-room access, or any close-contact instruction, yes. Most carriers will not bind a fitness program without it. Standalone limits or sublimits with screening-protocol requirements are the typical placement. Coverage availability and limits depend on your hiring practices, supervision, and prior loss history.

Professional liability, sometimes called trainer or instructor errors-and-omissions, responds when a member alleges injury or harm from a trainer's program design, supervision, or technique cueing. It's separate from general liability, which covers slip-and-fall and equipment-related injury. Limits should reflect certified-trainer headcount and the modalities you teach.

A typical fitness program includes Professional Liability, General Liability, Property with BI, Cyber for member PII and billing data, Sexual Abuse and Molestation, and Workers Compensation. Coverage is subject to underwriting and the carriers writing fitness in your state.

Standard ACORD 25 certificates issue in seconds through the portal, ChatGPT, Claude, Slack, email, or phone. Custom holder language (additional insured, waiver of subrogation, primary and non-contributory) is typically produced within minutes after a licensed broker confirms the wording. There is no per-COI fee.

Routine work like intake, COIs, endorsements, policy Q&A, and renewal triage runs through Orin, our insurance-specialized language model. Licensed brokers focus on judgment work like carrier selection, complex coverage, and claim advocacy. Across the customer base we average a 60 percent reduction in broker commission cost versus a typical commercial brokerage. That is an average, not a guarantee.