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Sports and Fitness Insurance

We offer specialized insurance solutions to fitness facilities and fitness professionals.


Insurance for Fitness Facilities

This coverage is designed for businesses operating as fitness facilities. A wide range of facilities are eligible for this program—from small personal training studios to big box facilities with a full range of equipment and amenities.


Our insurance offerings include:


- Gyms & Fitness Centers

- Yoga Studios

- Dance Schools & Studios

- Racquet Clubs

- Tennis Centers

- Fitness Management Firms

- Pilates Studios

- Aerobics Studios

- Group Trainers

- Martial Arts Studios

- Group Exercise Instructors

- 24 Hour Clubs


Insurance for Sports & Recreation Facilities


ZX Insurance offers insurance packages for many types of indoor and outdoor sports and recreation facilities including:


- Team Sports Fields

- Bowling Centers

- Family Entertainment Centers

- Mini-golf & Laser Tag

- Roller & Ice Skating Rinks

- Golf Ranges & Batting Cages

- Multi-sport Complexes


Insurance for Fitness Professionals


This coverage is designed specifically for fitness professionals working as personal trainers as well as instructors of individual or group exercise programs, including pilates, yoga, martial arts, or similar fitness programs.  Coverage follows the professional wherever they work in the US, whether they operate out of a single club, multiple clubs or even at a public facility such as a local park or activity center.


Group Exercise Instructors

Independent Contractors working as group exercise instructors are eligible for coverage at a discounted rate. However, personal trainers that work one on one with clients are not eligible for this classification.


Coverage provided under this program includes:


Commercial General Liability:  Provides premises protection for any claims arising from the facilities you own, rent or occupy. You are indemnified for alleged negligence resulting in bodily injury, property damage or personal injury.


Professional Liability: Protects you against bodily injury to a client resulting from a failure to render “professional services,” defined as “the providing of physical training, fitness counseling and nutritional counseling for a fee.”


Personal Injury:  Protects against suits involving libel, slander and wrongful invasion of privacy.


Advertising Injury:  Protects against claims arising out of misappropriation of advertising ideas such as the infringement of copyright on titles or slogans committed in the course of advertising your services.


Abuse or Molestation: Pays to defend insured against allegations of sexual misconduct.


Medical Payments: Reimburses a third party for medical expenses incurred as a result of bodily injury. Unlike most general liability policies, our policy includes coverage for Athletic Participants.


This is a general description of coverage offered. Please refer to your policy for actual terms and conditions.


Get Started Today by getting a Quote Online or call us at (800) 671-3456.





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