Running a gym or health club comes with unique risks. Berxi’s gym insurance is designed to help protect your business from common risks, including slip-and-fall injuries, property damage, and client injury claims related to fitness instruction.
Berxi’s customized general liability insurance for gyms and health clubs is designed to protect you legally and financially from the risks you face every day, including client injuries, property damage, and personal and advertising injury. And, if you choose to add optional business personal property coverage, your Berxi policy can also help cover the costs of replacing your equipment if it’s damaged.
General liability insurance covers third-party claims of bodily injury and property damage that occur in connection with your gym. It also covers claims of personal and advertising injury, such as libel and slander.
Plus, unlike other insurance companies, Berxi’s general liability policies include coverage for client injuries due to training or instruction — at no extra charge. So if a gym member says your training caused an injury or worsened an existing injury, Berxi’s got you covered.
Examples include:
You can add optional business personal property (BPP) coverage to your Berxi general liability policy. This BPP coverage can help pay to repair or replace business assets if they’re damaged or lost, including fitness equipment, computers, office furniture, inventory, and more.
Examples include:
Berxi’s policies are designed with gyms, health clubs, and small fitness businesses in mind. Key benefits include:
If a member or visitor is injured at your gym or health club — for instance, by slipping and falling — your general liability policy can help cover their medical bills.
If you or your employees accidentally damage someone else’s property, general liability insurance can help pay to repair or replace it.
Unlike other insurance providers, Berxi includes professional incident coverage for bodily injury due to training or instruction as part of our general liability policies — at no extra charge. That means if a member claims you or your employee caused them bodily injury due to an error in your work, such as negligence in a class or improper instruction during a training session, your policy can help pay for medical bills and legal defense.
Personal and advertising injury coverage protects against legal issues stemming from things you write or say, including your marketing activities. It safeguards you from claims of reputational harm, such as libel and slander, as well as copyright infringement in your marketing materials and privacy invasion.
If your business is sued for a general liability claim (like claims of bodily injury, property damage, personal injury, or advertising injury), your policy can pay for a lawyer to defend you and cover any damages or settlement costs.
You can choose to add business personal property (BPP) coverage to your general liability policy as an optional endorsement, which can help repair or replace damaged or lost equipment, computers, inventory, furnishings, and other business assets. (Note that BPP generally doesn’t apply to normal wear and tear.)
In addition, you can add workers’ compensation and cyber liability coverage from one of our trusted partners to your Berxi general liability insurance policy by speaking with our in-house customer support team.
In addition to business personal property (BPP) coverage for your business assets, you can choose to add workers’ compensation and cyber liability coverage to your Berxi general liability insurance policy.
Berxi’s general liability insurance for gyms and health clubs starts at just $350/year.
Your annual premium will depend on a few different factors, including:
You can also add optional business personal property (BPP) coverage to your general liability policy. The BPP coverage add-on starts at around $115/year.
Because we have no hidden costs or interest fees, gyms and health clubs who choose general liability insurance from Berxi save an average of 15% vs. other providers. The fastest way to find out how much you might pay for gym insurance is to get a quote.
Workers’ comp insurance is required by law in almost all states if you have employees. It covers medical care and lost wages if employees are injured on the job. You can add optional workers’ comp coverage from one of our trusted partners to your Berxi general liability policy.
Cyber liability insurance is recommended if you offer online training, run a virtual coaching website, store personal health data (PAR-Q forms), or process client payments online. You can add optional cyber coverage from one of our trusted partners to your Berxi general liability policy.
If you and your employees use company cars or other vehicles, you’ll need commercial automobile insurance. In addition, if you regularly use your own personal automobile for work, your standard personal auto policy may not cover you if you get into an accident while working.
With a financial strength rating of A++ by AM Best, we have the stability and expertise to protect you long-term.
Berxi never has any interest fees, hidden costs, or membership fees. In fact, people who choose Berxi save an average of 15%.
You can visit our website to get a quote, buy a policy, manage your information, and file a claim — all in just a few clicks.
When you call our support line, you’ll reach a real-life human being who’ll work hard to answer all of your questions.
Getting covered is fast and straightforward:
Step 1: Using our easy online quote process, just answer a few quick questions about your work and coverage needs. Get a quote today.
Step 2: While quoting, you’ll have the option to add business personal property (BPP) insurance coverage to your policy, which helps repair or replace your business assets if they’re damaged.
Step 3: Get an instant, personalized quote with clear pricing.
Step 4: Purchase coverage online in minutes.
Step 5: Access your policy 24/7 to manage certificates, update your information, or file claims — right from your phone or computer.
“I am setting up a new business, and Berxi made the process completely seamless. This was truly a huge relief and something I could check off my to-do list immediately.”
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Tara
“The best service one can ask for, provided without hesitation.”
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Giselle
“Berxi was recommended to me by a friend at another company. The quoting process was easy, and the price is better than anywhere I’ve found!”
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Jeremy
Yes, but in your quote application, be sure to note that you are a personal trainer to get the proper level of coverage. Even if you work out of someone else’s gym or studio, you may still face claims related to your own training services. A facility’s insurance may not fully protect you if a client says your instruction caused an injury or if you accidentally damage property while working. Having your own liability coverage can help protect you financially if a claim is made against you. Berxi’s general liability insurance policies for solo personal trainers start at just $100/year.
General liability insurance typically helps cover third-party claims involving bodily injury, property damage, and personal and advertising injury — like a visitor slipping in your facility or someone claiming your marketing materials damaged their reputation. Professional liability coverage is focused on claims related to your professional services, such as a client alleging that improper instruction caused an injury. Berxi’s general liability policies include professional incident coverage for bodily injury due to training or instruction at no extra charge.
The right amount of general liability insurance depends on your studio’s size, revenue, location, services, and overall risk exposure. Many businesses also consider any coverage requirements from landlords, lenders, vendors, or partners when choosing limits. Berxi offers limits of liability from $100,000 per claim/$200,000 aggregate all the way up to $1 million per claim/$5 million aggregate, so you can choose coverage that fits your business needs. Berxi’s customized instant online quote can help determine the right level of coverage based on your answers to a few quick questions.
General liability insurance primarily helps cover third-party claims, such as client injuries, visitor injuries, property damage, and personal and advertising injury. If you want coverage for your own business assets — like fitness equipment, computers, office furniture, or inventory — you can add optional business personal property (BPP) coverage to your Berxi general liability policy. This add-on can help pay to repair or replace covered business property if it’s damaged or lost. The BPP add-on to protect your equipment starts at $115/year.
Yes, Berxi’s general liability insurance for gyms covers client injuries during online and virtual training. If you offer online training or virtual fitness classes, you may still face liability risks — for example, if a client claims they were injured while following your instruction. Berxi’s general liability policies include professional incident coverage for bodily injury due to training or instruction at no extra charge, which can help protect you from certain client injury claims related to your services. If you store client health information, process payments online, or run a virtual coaching platform, cyber liability coverage may also be worth considering. You can add optional cyber liability coverage from our trusted partners to your Berxi general liability insurance policy.
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