General Liability Insurance for Gyms & Fit Pros: What You Need to Know (Without Overpaying)

General liability insurance is a must-have for gyms, studios, and fitness professionals, but many owners aren’t fully clear on what it covers (or what it doesn’t). In this quick session, we’ll break down what general liability protects you from, why combining general and professional liability matters, and how choosing a financially strong provider can make all the difference when a claim happens.

Key Takeaways:

• Who needs general liability insurance: Why both fitness facilities and the instructors/professionals working in them should carry coverage.
• What general liability covers: The most common third-party claims; bodily injury, property damage, reputational harm, and advertising injury, and how coverage can help with legal fees, medical costs, and settlements.
• Key coverage features to look for: The value of a two-in-one policy that combines general liability + professional liability for more complete protection.
• How providers differ (and why it matters): What “one-stop shop” + digital-first insurance can mean for simplicity, specialized coverage, and potential savings (often around 20%).
• Why financial strength is important: How a top financial rating can provide peace of mind that your provider can support you through the full claims process.