Copeland Insurance


Fitness center insurance helps keep your business running smoothly.

Stay ahead in your fitness center business with comprehensive insurance coverage tailored to your needs.

Specialized Coverage for Your Unique Fitness Center Business

Operating a fitness center entails managing numerous risks associated with staff, equipment, and customer safety. Insurance plays a crucial role in safeguarding your business against these challenges, providing essential protections through general business, commercial property, and liability coverage.

Why Waivers Alone Are Insufficient

While waivers are standard practice in fitness centers, they may not fully shield you from potential lawsuits and legal expenses. Fitness center insurance is designed to address the specific risks inherent in owning and running a gym, offering comprehensive protection beyond waivers.

Examples of Real-World Risks Faced by Fitness Centers

Like any enterprise, fitness centers are susceptible to accidents and operational mishaps. For instance, liability claims could arise from equipment failures or injuries attributed to staff advice. Additionally, disputes might occur concerning products like nutritional supplements sold on your premises.

Protect your fitness center comprehensively with tailored insurance solutions that mitigate risks and ensure uninterrupted operation.

Ensuring Your Fitness Center’s Business Essentials

Running a fitness center requires comprehensive insurance coverage to protect both your business and your assets. Essential components of your policy should include workers’ compensation, employment practice liability, and coverage for your facilities and equipment. These standard business insurance solutions are crucial for safeguarding your livelihood and securing your investments in the fitness industry.


Comprehensive Insurance Options for Fitness Centers and Gyms

A standard insurance package for fitness centers and gyms typically includes business, property, general liability, and professional liability coverage. Additionally, there are options to customize your policy with additional coverage tailored to your specific needs.

The cost of your insurance policy can fluctuate based on factors such as the scale of your operations, your geographical location, and the number of employees and clients you serve.

Here are proactive steps to reduce daily risks:

Minimizing risks at your fitness center or gym is crucial for maintaining safety and preventing costly incidents. Strategies such as prominently displaying warning signs for equipment hazards and ensuring thorough staff training in emergency response are effective measures to enhance safety and reduce potential liabilities.

Interested in securing fitness center insurance? Reach out to us to explore how we can tailor insurance solutions to meet the unique needs of your fitness center or gym, and to review the comprehensive coverage options available to you.

Commercial Umbrella Insurance

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?


A commercial umbrella policy provides high limits of insurance, up to $100,000,000. Coverage is extended over your general liability insurance, workers' compensation, business auto, and directors and officers liability insurance. It provides a great safety net and helps ensure your business is well-protected.

Business Income Insurance

Risk Factor

What would you do if a pipe leak impacted the operation of your business and prevented you from serving clients for a day or more? Or what if a fire destroyed your building? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.


Business income insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy.

Professional Liability

Risk Factor

Are you asked questions such as "How can I lose weight?" or "How do I add muscle?" Your responses to those and other questions may be well intended, but what if your customers get sick or injured as a result of that advice?


Having professional liability insurance for personal trainers will help cover you against claims of negligence–even when you haven’t made a mistake.

Workers' Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.


Workers' compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law and may vary by area, so be sure that you understand your obligations for all physical locations where your business operates in and all physical locations where you hire your employees.

Commercial Property

Risk Factor

When a fire, theft, or another type of disaster strikes, your commercial property and everything within it can suffer a significant loss. This can have a detrimental effect on your business.


Commercial property insurance can help protect the property your business owns and leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your physical assets.

Commercial General Liability

Risk Factor

Water on the floor, slippery entry in the winter, broken glass/hazardous debris, etc. These are all accidents waiting to happen that make your business susceptible. Claims may arise due to bodily injury, property damage, personal injury, and more.


Commercial general liability insurance is an absolute necessity for any business. It provides broad coverage when you are deemed responsible and liable, and will also pay to defend any covered lawsuit or action regardless of its merit.

Employment Practice Liability Insurance (EPLI)

Risk Factor

On average, it's estimated that three out of five businesses will be sued by their employees. Claims can stem from just about anything, such as someone taking a "joke" the wrong way and being offended. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.


The right coverage is critical to your risk management process as it protects against discrimination, wrongful termination, sexual harassment, and other employment related allegations. Typically, the policy will cover your business as well as your directors and officers.

Ensure your fitness center operates smoothly with comprehensive insurance coverage.

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