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Sports and Fitness Business Insurance

free insurance quote for sports and fitness businesses

Protect Your Sports and Fitness Business with the Right Business Insurance

free insurance quote for sports and fitness businesses

Running a sports and fitness business is not just about promoting health and wellbeing, it’s also about proactively preparing for unforeseen risks that can undermine your efforts.

Just as you champion physical preparedness in the fitness arena, your business needs its own form of protection against potential loss or lawsuits. That is where The Allen Thomas Group comes in!

If your company is exposed to risks and you’re unsure about how to safeguard your passion, stick with us as we travel the landscape of insurance, helping you stay in the game no matter what challenges come your way.

Table of Contents

Our Independent Insurance Agents Design Policies To Protect The Following Wellness Businesses

  • Gyms
  • Pilates Studios
  • Personal Trainers
  • Yoga Studios
Getting The Right Coverage

What types of Business Insurance do Fitness Professionals Commonly Need?

When it comes to running a sports and fitness business, ensuring that you have the right insurance coverage is crucial. Business insurance acts as a safety net, protecting your business from potential risks and liabilities.

There are several types of insurance that are particularly important for sports and fitness businesses to consider.

Business Owners' Policy

By having a BOP, sports and fitness business owners can protect their assets and finances in the event of accidents, injuries, or property damage. This type of policy is essential for ensuring the long-term success and sustainability of sports and fitness businesses.

General Liability Insurance

Having general liability insurance is crucial for sports and fitness businesses. This type of insurance protects the business from potential lawsuits and financial losses in case of accidents or injuries that occur on the premises or during activities. It provides coverage for medical expenses, legal fees, and damages, ensuring the business can continue operating smoothly without facing significant financial setbacks.

Professional Liability Insurance

Having professional liability insurance is crucial for sports and fitness businesses. This type of insurance protects businesses from financial loss in the event of a lawsuit or claim related to their professional services. It provides coverage for legal expenses, settlements, and judgments, ensuring that businesses can continue to operate without facing significant financial burden. Without professional liability insurance, sports and fitness businesses are exposed to potential risks that could have a detrimental impact on their reputation and financial stability.

Cyber Liability insurance

Sports and fitness businesses can benefit from having cyber liability insurance. This type of insurance protects against financial losses resulting from cyber attacks, such as data breaches or ransomware attacks. It can cover expenses like legal fees, notification costs, and credit monitoring for affected individuals. With the increasing reliance on technology in the industry, having cyber liability insurance is a proactive measure to safeguard against potential cyber risks.

Commercial Umbrella Insurance

Commercial umbrella insurance provides additional liability coverage for sports and fitness businesses. This type of insurance is designed to protect businesses from large claims that exceed the limits of their primary insurance policies. It acts as a safety net, offering financial protection in the event of a lawsuit or other liability issue.

Workers' Compensation Insurance

Having workers’ compensation insurance is crucial for sports and fitness businesses. It provides financial protection for employees who may suffer injuries or illnesses while on the job. This insurance coverage ensures that medical expenses and lost wages are taken care of, allowing employees to focus on their recovery.

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We Are With You From Start to Finish

business insurance for fitness professionals

At The Allen Thomas Group, we get it. We understand the unique needs of sports and fitness businesses regarding business insurance. We know that you need protection from potential lawsuits, property damage, employee injuries, and other liabilities that can arise in the industry.

Let’s take a look at a recent example. One of our sports and fitness clients was in a sticky situation when a competitor accused them of stealing trade secrets. But fear not; we provided comprehensive liability coverage covering all legal costs associated with defending their case. This gave them peace of mind, knowing that they were protected and could focus on what they do best – helping people stay fit and active.

But we’re not just in the business of insurance. We’re in the business of partnership. We want to be your trusted ally, working alongside you to create personalized solutions to help your sports and fitness business thrive for years.

We understand that every sports and fitness business is unique, with its challenges and risks. That’s why we take the time to truly understand your specific situation and find the best coverage for your needs.

With our expertise in the sports and fitness industry, we can guide you through the complexities of business insurance and ensure that you have the right coverage in place. Whether it’s protecting your physical facility, your equipment, or your team of trainers, we have the solutions that will give you peace of mind.

Don’t leave your sports and fitness business vulnerable to unexpected events. Let The Allen Thomas Group be your partner in protecting your business.

business insurance for fitness professionals

Custom Insurance Solutions Built For Your Fitness Business

Yes, It's Really That Easy

We know how frustrating and complex the process of finding the right commercial insurance can be and how it slows down your ability to take care of your clients. Let us help build a policy that works for you.

Step 1: Assess

Tell us about your specific needs and we will find the right policy for you.

Step 2: Review

Review the results of our search.

Step 3: Service

We will walk you through your new policy step by step.

Our happy customers
We’ve Helped Hundreds of Fitness Pros Just Like You

“Joe has been a complete pleasure to work with. His team took on quite the challenge working with a young entrepreneur. Our complex needs were no challenge for his team. Lightning fast responses with a smile. We look forward to the years coming!”


“I was connected to ATG through a commercial insurance lead online. From there, Joe from ATG reached out to me to ask what I needed, what type of business I was operating, etc.

After reviewing my policy with a different insurance company I wasn’t satisfied with, Joe pointed out many discrepancies that my current insurance policy had, and began working on building quotes with multiple insurance companies to find me the best rate that would properly cover my business.

After a few days, Joe reached out with a quote and a breakdown of all of the coverages and costs. Not only did Joe compile a policy that had all of the correct codes and coverages, he also pulled together a quote that was multiple thousands less than my current policy.

Couldn’t be more satisfied with the folks over at ATG, I highly recommend them.”


“I was highly impressed by the level of care and responsiveness by Joe and The Allen Thomas Group! Joe was attentive and thorough. He was able to meet our company’s needs and get us connected with all the right insurance limitations to ensure we were compliant in our commercial business.

The service was a breath of fresh air, especially after being let down by so many other insurance providers. Thank you Joe, and the Allen Thomas Group!! Highly recommended!”

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Years Professional Experience
Comprehensive Breakdown of Policies and Frequently Asked Questions

Gain In-Depth Knowledge Regarding Optimal Insurance Selection for Your Business.

Evaluating Insurance Policies

When protecting your sports and fitness business with the right insurance, it’s essential to thoroughly evaluate different insurance policies before making a decision. There are several vital factors you should consider during this evaluation process.

Firstly, you need to assess the coverage limits provided by the policies you’re considering. Ensure that the coverage offered aligns with the unique risks associated with your business.

For example, if you operate a high-intensity training facility where injuries are more likely to occur, higher coverage limits for liability insurance may be necessary.

Reviewing the policy exclusions and limitations is essential to understand what specific risks may not be covered. Some policies may exclude particular activities or restrict claims related to pre-existing conditions. Understanding these details can help you make an informed decision about which approach best suits your business needs.

In addition to coverage limits and exclusions, you should also evaluate the financial stability and reputation of the insurance provider. Look for reputable insurance companies with a strong track record of handling claims efficiently and providing excellent customer service.

Our team at The Allen Thomas Group can help you find the right provider.

Now let’s go through 4 of the most common policies for fitness and wellness pros.

General Liability Insurance

General liability insurance serves as a foundational policy for sports and fitness businesses. As mentioned, it covers bodily injuries, property damage, and advertising injuries. The cost of general liability insurance typically varies depending on the size and nature of your business.

According to industry data, sports, and fitness businesses pay a median premium of less than $30 per month, or $350 per year, for general liability insurance. This makes it an affordable option for most businesses within the industry. In fact, 71% of sports and fitness businesses that purchase general liability insurance pay less than $400 per year.

Large fitness businesses with more clients may have higher premiums due to the increased risk exposure associated with a more extensive customer base. However, regardless of the size of your business, having this coverage is vital to protect against potential legal claims or damages that may arise from accidents or injuries.

When selecting a general liability insurance policy, most sports and fitness professionals opt for coverage limits of $1 million per occurrence and an aggregate limit of $2 million. These limits provide substantial financial protection in case of multiple injury claims or lawsuits.

By securing general liability insurance, you are safeguarding your business and the financial stability and reputation you’ve worked hard to build. It’s an investment in ensuring that your sports or fitness venture can thrive while being prepared for unforeseen circumstances.

Business Owner’s Policy (BOP)

As a sports and fitness business owner, having the right insurance coverage to protect your business from potential financial losses is crucial. One option worth considering is a Business Owner’s Policy (BOP). This type of insurance policy combines various coverages essential for businesses, providing a comprehensive solution in one package.

A BOP typically includes two primary coverages: property and general liability insurance. Property insurance protects your business assets, such as equipment, inventory, and the physical structure of your facility, from damages or loss due to covered events like fire, theft, or vandalism. On the other hand, general liability insurance provides coverage for third-party bodily injury or property damage claims that may arise from accidents or incidents at your premises.

By bundling these coverages together, a BOP offers convenience and potentially cost savings compared to purchasing each coverage separately. However, evaluating your specific needs and risks is essential before deciding if a BOP is the right insurance solution for your sports and fitness business.

Professional Liability and Workers’ Compensation Insurance

Two vital types of insurance that sports and fitness businesses should consider are professional liability insurance and workers’ compensation insurance.

Let’s say you run a personal training business, and one of your clients injures themselves during a training session due to negligence on your part. In this scenario, professional liability insurance would protect you from potential lawsuits or claims arising from such incidents. It covers legal fees, settlements, or judgments if a client alleges that they suffered harm due to professional negligence or errors.

On the other hand, workers’ compensation insurance is essential if you have employees working for your sports or fitness business. This type of insurance covers medical costs and lost wages if an employee gets injured while performing their duties. It protects employees by providing financial assistance during their recovery and safeguards businesses from potential lawsuits related to work-related injuries.

By carefully evaluating insurance policies based on these critical factors, you can choose the right coverage that meets your needs and provides adequate protection for your sports and fitness business.

When it comes to business insurance for sports and fitness businesses, understanding the premiums and coverage limits is crucial. The premium refers to the amount you pay for the insurance policy, typically monthly or annually.

This cost can vary depending on factors such as the size of your business, the type of activities you offer, and your claims history. Budgeting for these premiums and considering them a necessary expense to protect your business from potential risks and liabilities is essential.

Additionally, paying attention to the coverage limit provided by your insurance policy is crucial. The coverage limit represents the maximum amount the insurance company will pay out in the event of a claim.

An adequate coverage limit ensures that you are financially protected if an unfortunate incident leads to property damage, injuries, or lawsuits.

It’s advisable to assess your business needs carefully and choose a coverage limit that aligns with the risk associated with your sports and fitness activities.

Determining the appropriate insurance coverage for a sports and fitness business requires considering several factors.

Firstly, assess the potential risks and liabilities associated with your industry, such as injuries, property damage, or professional negligence. Then, evaluate the value of assets at risk, including property, equipment, and inventory.

Additionally, consider any legal requirements and contractual obligations dictating minimum coverage amounts. Finally, consult with an experienced insurance agent who can provide guidance based on industry standards and help you assess the potential financial impact of various scenarios.

Yes, discounted and specialized insurance policies are available specifically for sports and fitness businesses. Many insurance companies offer tailored coverage options that address the unique risks associated with this industry, such as liability coverage for injuries during sports activities or property damage to fitness equipment.

Sports and fitness businesses face several specific risks that require specialized insurance coverage.

Firstly, there is a high risk of injuries occurring during physical activities, which can lead to legal claims and compensation.

According to the National Safety Council, sports-related injuries accounted for 3.6 million emergency room visits in 2019 alone. Additionally, there is the risk of damage to sports equipment or property, theft, and potential lawsuits related to negligence or misconduct by staff members.

Having the right business insurance can provide financial protection against these risks and safeguard the future of the sports and fitness business.

There are legal requirements for sports and fitness businesses to carry insurance. These requirements vary depending on the location and type of business. Still, they are often put in place to protect the company and its customers from potential accidents or injuries.

For example, most states require fitness centers and personal trainers to have liability insurance in the United States. Having the right insurance coverage can also help businesses avoid costly lawsuits.

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That allows us to get you the best rates for your business.

Get The Insurance Coverage You Need For Your Fitness Business Today

At The Allen Thomas Group, we know that every fitness business as is as different as each client you train, and that’s why we offer a wide range of coverage options to meet your specific requirements.

Whether you run a gym, a sports facility, a yoga studio, or any other type of sports and fitness business, we have the expertise and resources to provide you with the right insurance solution.

Our team is committed to providing exceptional service and support, and we will be there for you every step of the way. From helping you understand your policy to assisting you with claims, we are here to ensure that you have a seamless experience.

Don’t let the unexpected hamstring your business. Protect your investment and secure your future with our reliable and comprehensive business insurance coverage. 

With The Allen Thomas Group, you can focus on what you do best – serving your clients and growing your business – while we take care of your insurance needs. Don’t settle for anything less than the best.

Let us help you build a solid foundation for your sports and fitness business with our reliable and comprehensive insurance coverage. Contact us today and discover how The Allen Thomas Group can make a difference for your business.

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