Fitness Facility Liability Insurance

Protect your fitness studio with gym liability insurance from Berxi, including general liability and professional incident coverage.

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Why do gym owners choose general liability insurance from Berxi?

Berxi offers comprehensive general liability coverage for gyms, health clubs, and fitness studios. Our customized policies cover claims of bodily injury, property damage, personal injury, and professional errors, so you can be confident that your business is protected from the unique risks you face.

Rated 4.87 out of 5 stars (13,204 reviews)

You can save an average of 15% — with no deductibles.

Berxi never has any deductibles, interest fees, or membership fees, so our customers save an average of 15% compared to other companies.

We’re part of Berkshire Hathaway Specialty Insurance Company.

With an A++ financial strength rating from AM Best, Berkshire Hathaway Specialty Insurance Company is one of the most trusted names in insurance.

You get professional incident protection at no extra charge.

Professional incident liability coverage is built into our general liability policies, so you’ll be protected from claims of errors or negligence in your work.

We offer business personal property (BPP), workers’ comp & cyber security coverage.

With these optional add-ons (or more) to your general liability policy, you can get all-in-one protection for your business.

What does Berxi general liability insurance cover?

If a customer or visitor is injured at your gym — for instance, by slipping on a wet floor— your general liability policy can help cover their medical bills.

If you or one of your employees accidentally damages someone else’s property, general liability insurance can help pay to repair or replace it.

If your business is sued for a general liability claim, your policy can pay for a lawyer to defend you and cover damages or settlement costs.

If someone claims that you damaged their reputation through something you wrote or said, your general liability insurance can help cover the associated costs.

Unlike other insurance providers, Berxi includes professional incident protection as part of its general liability policies at no extra charge. So if a client claims you or your employee made an error in your work, such as a trainer pushing a client too hard and causing a dislocated knee, your policy can help pay for medical bills and legal defense.

You can choose to add business personal property (BPP) coverage to your GL policy — which can help pay for damage, loss, or theft of your equipment and other business personal property — as well as workers’ comp and cyber liability coverage.

Why do gyms & fitness studios need liability insurance?

General liability insurance is essential for all kinds of gyms and fitness clubs. It can protect your business from third-party claims of bodily injury and the associated medical costs, as well as damage to others’ property and personal injury such as slander. Consider these examples:

  • Bodily injury: A client slips on a puddle of water that was spilled by another visitor and pulls their hamstring. General liability insurance can help cover the medical bills, as well as legal defense and damages if the client files a lawsuit.
  • Damage to client property: An employee accidentally drops a weight on a client’s cell phone and breaks it. Your general liability policy can help pay to repair or replace the damaged property.
  • Personal injury: A client overhears one of your personal trainers making false and unflattering claims about her and sues your gym for slander. General liability coverage can help cover your legal defense, as well as the settlements or judgments you may have to pay.

Protect your gym today with general liability insurance from Berxi.

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What people say about Berxi

“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.”

– Tara

“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!

– Jeremy

Helpful, rapid, and responsive service! They patiently and courteously helped me through the nuances of all my questions.”

– Catherine

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