Gym Insurance in Canada

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Make sure you're protected with insurance for your gym

Owning a gym or fitness centre requires a strong insurance policy. Operating any type of fitness facility involves many potential liabilities. Gym insurance protects you against the risks related to offering fitness services. Whether you run a large commercial gym or small boutique studio, we’ll help you compare gym insurance quotes and find the best policy to meet your specific needs. We’ll help you keep your gym safe while you help strengthen your members.

Top things to know about gym and fitness insurance

Your insurance needs will depend on your gym type and the fitness services offered.
Gym liability insurance policies can start at as low as $500 annually.
ThinkInsure can provide coverage for all types of gyms and fitness facilities.

What is gym insurance?

Gym insurance is a policy package designed for fitness facilities. It offers owners liability protection against the risks common to owning a gym and fitness-related services. This includes protection for equipment, accidents, and injuries and coverage for any fitness products sold. Insurance also covers standard business operations and other threats such as property damage, theft, and vandalism.

Why do I need insurance for my gym business?

As a facility serving the public, protecting your business is essential. Even if you are a smaller or private club, there are a lot of potential hazards related to running a fitness business. The risk of injury is an obvious one. But there are also many other potential threats you can mitigate with insurance:

Bad training advice from an employee
Slip and falls
Patron injuries
Equipment malfunctions
Theft and vandalism
Privacy issues

Types of fitness companies that need gym insurance

Gym insurance covers all types of fitness companies. Here’s a list of the types of gyms that can benefit from this type of coverage:

Commercial gym
Private gym
Boutique fitness studio
Yoga Studio
Pilates studio
In-home gym
Recreational facilities
Fitness club
MMA and martial arts studios
Crossfit gym
Boxing gym
Dance studios
Spin studio
Gymnastics facilities

What does gym insurance cover?

trainer teaching talking to her students at gym.

Gym insurance includes many types of Ontario business insurance. You can customize your coverage to include specific types of protection based on the services your fitness facility offers. Here is what gym insurance covers:

Gym liability insurance: This is a specialized form of commercial general liability insurance designed explicitly for gyms and fitness facilities. This protects you against property damage and bodily injury if it occurs on your gym property.
Professional liability insurance: Protection if you or a staff member give advice that leads to a member of your gym getting injured or ill.
Product liability insurance: Liability protection if the health products, supplements or equipment you sell cause harm.
Commercial property insurance: This protects your gym from damage from fire, vandalism, and weather events.
Business interruption insurance: A lot of things could happen that could interfere with your operations. Protect your financial well-being if you are forced to close your doors because of weather damage and other unforeseen events.
Crime insurance: The risk of theft is high in locker rooms. Ensure your business is protected with this coverage.

How to get gym and fitness facility insurance quotes

Our team can help your fitness facility find and compare the best gym insurance quotes. You’ll get the policy you need at the lowest rates.

Provide your company details

Tell us about your business and operations.

We’ll shop for the cheapest quote

We’ll compare quotes from the top providers in the country.

Select the best rate and get insured

Choose the lowest price and save on your commercial insurance policy.

How much does gym insurance cost?

The cost of insuring a gym is affected by many factors, including the type of fitness services you offer, the size of your facility, and your insurance coverage limits. Depending on the scope of your facility, you could pay anywhere from $500 to $5,000 annually for gym insurance. Speak with our broker team to assess your insurance needs and provide you with an accurate quote.

What factors affect how much I pay for gym insurance?

Understanding the key elements affecting your premiums can help you make sound business decisions. Here are the top factors impacting how much you pay for gym insurance:

Facility size and number of employees
The types of services and classes you offer
Equipment type and amount
Hours of operation
Location and property features
Your level of experience and training in the fitness industry
Staff training and experience
Insurance policy limits and coverage selection
Years insured and claims history

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2024-09-26

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2024-09-24

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2024-09-24

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2024-09-23

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Gym insurance FAQs

What type of insurance do I need for a gym?

The type of insurance you need will depend on your fitness facility and service offerings. For example, a dance or yoga studio would have different insurance needs than a weight-lifting gym. Coverage types and limits will vary, even though you have a similar business in the same industry.

Are personal trainers covered under gym insurance in Canada?

Only trainers who the gym or fitness facility employs would be covered by gym insurance. Independent personal trainers require thier own coverage.

How is gym insurance different from sports insurance?

While gym and sports insurance offer coverage within the fitness industry, there are different types of liability coverage. Gym insurance is designed for facilities, whereas sports insurance is for coaches and sports arenas. Speak with our team if you need clarification about the type of insurance you need for your fitness business.

Get a fitness gym insurance quote

Comparing fitness facility insurance quotes for your gym ensures you find the best coverage. Our advisors will identify threats to your gym and build a plan to protect you. Get affordable rates from the top Canadian commercial insurance companies and save more. Speak with us today. Call 1-855-550-5515 or request a quote online.

Call 1-855-550-5515 or request a quote online.

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Gym Insurance

Protect your fitness centre with personalized gym insurance. We'll find the best rates and coverage to help you save.