Guide On Crossfit Insurance
CrossFit affiliate insurance is a single policy that CrossFit, LLC requires every licensed affiliate to carry. It combines general liability and professional liability coverage to protect your gym, your staff, and your personal assets from lawsuits, injury claims, and property damage. CrossFit Risk Retention Group (RRG) is the community-owned provider built specifically for affiliates and trainers.
Quick answer: Every CrossFit affiliate must carry insurance that names CrossFit, LLC as additional insured — without it you can’t remain an affiliate. A CrossFit RRG affiliate policy includes $1,000,000-per-occurrence / $3,000,000-aggregate general and professional liability, plus communicable disease and abuse & molestation coverage. Affiliate coverage starts at $1,185/year for gyms earning under $125,000; a trainer policy is $200/year. There’s a one-time $1,000 membership fee you can pay over five years, and applications are typically approved within 24–48 hours.
$1M / $3M — per-occurrence and annual-aggregate limits on both general and professional liability.
From $1,185/yr — affiliate coverage (gyms under $125K revenue) — $200/yr for a trainer policy.
24–48 hours — typical time to a coverage decision after you apply.
What Is CrossFit Affiliate Insurance?
A main reason of buying insurance is because CrossFit requires that all licensed gyms in the USA purchase insurance and name CrossFit as additional insured on the policy. Without it, they cannot be an affiliate.
When you’re a small business owner and open a CrossFit gym, you need to make sure that you have insurance in place to protect your assets. The government requires some insurance coverage, but there are others that are essential to protect your investment.
CrossFit affiliate insurance is an insurance policy for CrossFit LLC. affiliates offered by CrossFit Risk Retention Group (RRG). It’s a policy that incorporates a variety of coverages to protect your gym from lawsuits, medical bills, and other liabilities. Instead of purchasing multiple policies, this single policy does the job of several.
It saves you the time of finding multiple insurance products and condenses your billing into a single payment. CrossFit RRG is a community-owned company, and you become a member of that community.
CrossFit affiliate insurance policies can help protect the owner and employees from the repercussions of lawsuits and other liabilities that can ruin your cash flow and decimate your savings. The policy includes general and professional liability coverage.
Do CrossFit Gyms Need Affiliate Insurance?
The simple answer is yes. Every small business owner or someone who works directly with the public as an independent contractor needs insurance to protect their business and the hard work that they’ve put into it.
A lawsuit can be devastating to a business without insurance. A lawsuit can result in a judgment against a gym owner to pay thousands or millions of dollars if uninsured or underinsured.
This type of judgment can force your CrossFit gym into bankruptcy or worse if the complainant goes after your personal assets. The CrossFit affiliate insurance policy is designed with the gym owner in mind.
CrossFit Risk Retention Group (RRG) is a community-owned company, and it’s dedicated to helping gym owners and coaches just like you. To qualify for a policy, you must become a community member, and you can help guide future decisions.
It’s a CrossFit gym business owner’s responsibility to adequately insure their business. This is why CrossFit RRG has a team of experts that are ready to help CrossFit affiliates learn more about the policy and answer any questions.
What Does CrossFit Affiliate Insurance Cover?
A CrossFit affiliate insurance policy includes both commercial general liability and professional liability insurance, with these claims limits.
Professional Liability:
- $1,000,000 per occurrence
- $3,000,000 annual aggregate
- Communicable disease limit of $250,000
General Liability:
- $1,000,000 per occurrence
- $3,000,000 annual aggregate
- Medical expenses – $5,000 per person
- Personal and advertising injury limit – $1,000,000
- Damage to rented premise limit – $300,000
- Annual aggregate-general liability – $3,000,000
- Abuse and molestation occurrence/aggregate limit – $100,000
- Communicable disease limit – $250,000
With a CrossFit affiliate insurance policy, you can protect your gym and your personal assets when the unexpected happens. You have someone on your side.
How Much Does CrossFit Insurance Cost?
| Coverage | Per occurrence | Annual aggregate | Also included |
|---|---|---|---|
| General liability | $1,000,000 | $3,000,000 | Medical $5,000/person · rented-premises damage $300,000 · personal & advertising injury $1,000,000 |
| Professional liability | $1,000,000 | $3,000,000 | Covers coaching & instruction claims |
| Abuse & molestation | $100,000 | $100,000 | — |
| Communicable disease | $250,000 | — | Rare in the market — included in the policy |
Policy
Cost
Notes
Affiliate (gym under $125K revenue)
$1,185 / year
Combined general + professional liability
CrossFit trainer
$200 / year
For an individual trainer
One-time RRG membership
$1,000
Payable over 5 years ($50/yr minimum) — you become a shareholder
The CrossFit affiliate insurance cost is based on earnings under $125,000 per year. The annual cost of the premium is $1,185. A CrossFit trainer policy has an annual premium of $200.
In order to secure one of these policies, you must become a member of CrossFit RRG with a membership fee of $1,000. However, you have five years to pay the fee as long as you make a yearly minimum payment of $50.
Is CrossFit Affiliate Insurance Tax Deductible?
While you’re willing to pay your fair share in taxes, you don’t want to give the Internal Revenue Service (IRS) any more of your hard-earned money than you need to give them. As a small business owner and CrossFit gym owner, you probably make many of your spending decisions based on your ability to take it as a tax deduction.
The IRS allows business owners to deduct business expenses from the amount of taxable income the business generated over a year. This includes most insurance policies and a CrossFit affiliate insurance policy.
For example, let’s say that your gym had a profit or taxable income of $50,000, and you paid $3,000 in insurance premiums. Your new taxable income is $47,000.
How to Get CrossFit Affiliate Insurance
To sign up for a CrossFit affiliate insurance policy, you simply start by filling out the online application. You need to provide some basic information, and you should have a decision within 24 to 48 hours.
With CrossFit’s fast growth comes the need for an insurance plan. CrossFit RRG is a comprehensive, affordable, and highly-rated provider of CrossFit affiliate insurance. If you’re a gym owner or are considering opening one up yourself, call us today to learn more about how CrossFit affiliate insurance helps keep your business insured.
Frequently Asked Questions
Is insurance required to be a CrossFit affiliate?
Yes. CrossFit, LLC requires every licensed affiliate to carry insurance and name CrossFit as additional insured on the policy. Without it, a gym can’t remain an affiliate.
What does CrossFit affiliate insurance cover?
It combines general and professional liability — each with $1,000,000 per-occurrence and $3,000,000 annual-aggregate limits — plus medical expenses, personal and advertising injury, damage to rented premises, abuse & molestation ($100,000), and communicable disease ($250,000).
How much does CrossFit affiliate insurance cost?
For gyms earning under $125,000 a year, the annual premium is $1,185. A CrossFit trainer policy is $200 a year. There is also a one-time $1,000 RRG membership fee, which you can pay over five years with a $50 annual minimum.
What is the CrossFit RRG membership fee for?
RRG is community-owned, so members are shareholders in the company. The one-time $1,000 fee makes you a member and gives you a say in group decisions; it can be paid over five years.
How long does it take to get covered?
After you submit the online application, you typically have a decision within 24 to 48 hours. Same-day quotes are available on request, and coverage documents are generated automatically once payment is made.
Does the policy include professional liability for coaching?
Yes. The affiliate policy includes professional liability for claims arising from coaching and instruction, alongside general liability for premises and operations.
What’s the difference between an affiliate policy and a trainer policy?
The affiliate policy covers a gym or box and its operations, staff, and members. The trainer policy ($200/year) covers an individual CrossFit trainer’s professional liability.
Can I add a second location to my policy?
Usually yes — additional affiliate locations can be added to your existing policy. Submit an application for the new location and RRG will send a quote to add it.
Is CrossFit affiliate insurance tax deductible?
Insurance premiums are generally deductible as a business expense, which lowers your taxable income. This isn’t tax advice — confirm your situation with your accountant.
Why choose a risk retention group over a traditional insurer?
A risk retention group is owned by the community it insures. Claims are handled by people who understand CrossFit, and the group is built to defend the CrossFit methodology rather than quietly settle.
Reviewed for Insurance Accuracy
This information is published and reviewed by CrossFit RRG to help CrossFit affiliates and trainers understand coverage, requirements, and cost. Coverage figures reflect the current CrossFit RRG affiliate and trainer policies.
Reviewed by: CrossFit Risk Retention Group
All sales through Nexo — CA DOI License OE14627
Last Reviewed: September 2026
This is a general overview of coverage afforded and is not individualized insurance, legal, or tax advice. Coverage, limits, conditions, and exclusions vary by policy and state. Refer to the actual policy for specific terms, and speak with a licensed representative about your gym.