The Hartford doesn’t offer CrossFit insurance online, but a local agency or Tivly may be able to help you find the coverage you need. The following content includes information from various sources and can change over time.
What Is CrossFit Insurance?
CrossFit gym insurance is another name for small business insurance. It’s made up of different types of business insurance coverages designed to help protect CrossFit instructors, studios and gyms. Whether it’s an injury in the middle of your Workout of the Day or a busted pull-up rig, you need coverage that’s as tough and reliable as the workouts you lead. Common types of coverage that can be part of a CrossFit insurance package include:
- Business Owner’s Policy (BOP)
- Professional liability insurance
- Workers’ compensation insurance
- General liability insurance
Why Might You Need CrossFit Insurance?
CrossFit insurance is a collection of coverages that can help protect your gym from risks you might not always see coming. While you’re focused on helping clients push their limits, accidents can happen.
CrossFit insurance can help safeguard you against risks such as:
- Lawsuits: A member pulls a muscle during a workout and sues you for improper instruction.
- Property damage: A pipe bursts and floods your gym, damaging equipment and shutting your gym down for weeks.
- Bodily injury: One of your instructors injures their shoulder and needs to take time off.
CrossFit Insurance Coverages
When it comes to protecting your CrossFit gym, you’ll want to ensure you have enough coverage to match your potential risks. Many gym owners start with a Business Owner’s Policy (BOP). It combines three types of coverages to help protect you from risks that can come up during normal operations:
General liability insurance helps protect your gym from claims that it caused bodily injury or property damage to someone else’s belongings. For example, if a member slips on a wet mat and sues your studio, this coverage can help pay for legal costs, medical fees and any damages.
Commercial property insurance helps protect the owned or rented building that you operate from, as well as the tools, equipment, inventory and supplies you rely on. These can include:
- Barbells
- Dumbbells and kettlebells
- Medicine balls
- Plyometric boxes
- Rowing machines
- Assault bikes
- Treadmills
- Sleds
Business income insurance helps replace your lost income if you can’t operate temporarily because of covered property damage.
It’s important to remember that a BOP won’t cover every kind of claim you could face as a CrossFit gym owner. You’ll need other types of coverage to create a comprehensive insurance plan, including:
How Much Does CrossFit Insurance Cost?
The cost of CrossFit insurance varies because every gym faces unique risks. Although The Hartford doesn’t offer coverage for CrossFit gyms, here are the average costs our small business customers pay for common types of coverages. You can use these amounts as a guide to help estimate your insurance costs:**
- BOP: $1,687 a year, or about $141 a month
- Stand-alone general liability insurance: $810 a year, or about $68 a month
- Workers’ compensation insurance: $1,032 a year, or $86 a month
- Professional liability insurance: $744 a year, or $62 a month1
Insurance companies consider several factors when determining your coverage cost, including:
- Number of employees
- Location of your business
- Type of coverage
- Your claims history
- The limits you select for your coverage
To find out your specific CrossFit gym insurance costs, get a free online get a free quote online through Tivly.
General Liability Insurance
“One of our gym members hurt their knee during a squat. They sued us to pay for their medical bills, saying it was our instructor’s poor directions that caused the injury.”
General liability helps cover claims that your business caused bodily injury or property damage to someone else.
Employment Practices Liability Insurance
“Our manager was accused of discriminating against a new trainer. The case took months to resolve.”
Employment practices liability insurance (EPLI) helps protect your business from employment-related claims, like wrongful termination, discrimination and harassment.
Workers’ Compensation Insurance
“One of my instructors injured their shoulder after leading a class. They needed to get surgery and take time off from work.”
Workers’ compensation insurance gives your team benefits to help them recover from work-related injuries or illnesses. It can help pay their medical bills and replace lost wages.
Professional Liability Insurance
“A client claimed our instructor didn’t coach proper form and caused their back injury.”
Professional liability insurance helps protect your gym or studio from claims that it made an error in the professional services given. It can help pay attorney fees or other court-related costs.
Commercial Property Insurance
“A pipe burst and flooded half our gym. It soaked mats, damaged flooring and cost thousands of dollars in cleanup.”
Commercial property insurance helps protect your gym’s equipment, furniture and inventory from loss or damage caused by events like storms, fires or vandalism.
Commercial Auto Insurance
“A staff member drove to pick up equipment and supplies for an event at our gym. He accidentally rear-ended another car in traffic.”
Commercial auto insurance can help cover property damage and bodily injury claims if an employee gets into an accident while driving a business-owned vehicle for work.
Strengthen Your Protection With CrossFit Insurance
You’ve built more than a gym – you’ve built a business, a team and a community. Help protect it with CrossFit insurance through Tivly.
Last Updated: January 20, 2026
1 What you pay for professional liability insurance will vary by product, limits chosen and risk class or hazard group associated with your business.
2 The Hartford, “Water and Freezing Damage, Burglary Lead The Hartford’s Top Five Small-Business Claims”
3 International Journal of Environmental Research and Public Health, “Risk Factors for Injury in CrossFit – A Retrospective Analysis”
4 Risk & Insurance, “Water Damage Is a Leading Cause of Commercial Real Estate Claims. How Sensor Technologies Help Mitigate These Claims”
** Costs, premiums, and coverages mentioned are estimates and are not guaranteed. Actual cost, premium, and coverage are determined at the time of quote or issue and are specific to an individual risk. Premiums are based on information provided to The Hartford, including, but not limited to, underwriting and rating criteria. All examples included on this website or in an advertisement are intended for informational purposes only and are not an offer or a guarantee of premium or coverage. Coverage and products described are subject to the terms and conditions found in the policy contract. Any educational information provided about available coverages does not modify the policy language or imply that any claim is covered. Products are not available in all states or for all businesses.
The Hartford does not currently have a product available to provide the coverage described on this page. You are being referred to Tivly in an effort to connect you with a carrier who may provide this coverage. This link will redirect you to a third-party website, owned and operated by an independent party ("Tivly"). Any link you make to or from the Tivly website will be at your own risk. Any use of the Tivly website will be subject to and any information you provide will be governed by the terms of the Tivly website, including those relating to confidentiality, data privacy and security. The Hartford and its affiliates (collectively "The Hartford") do not endorse or approve and make no warranties, representations or undertakings relating to the content of the Tivly website. The Hartford assumes no liability for loss, damage and any other consequence resulting directly or indirectly from your access to the Tivly website or any information that you may provide on the Tivly website.
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