CrossFit Risk Rentention Group

Guide On Crossfit Insurance

CrossFit gyms have become a sensation and have taken the fitness world by storm for a good reason. The workouts are a great way to get in shape and stay fit. With hard work and the right diet, a gym member can lose weight and improve their overall health, which is why more than five million people are using a CrossFit gym or trainer.

You decided to open a CrossFit gym because you believe in the program and want to be a part of making positive changes in others’ lives. It took a lot of money and effort to start, grow, and now maintain your CrossFit gym business, which is why it’s important that you protect it as much as possible.

No matter how careful you are or what precautions you take, there’s eventually going to be a pulled muscle or a burst water pipe. You need insurance to protect against these unexpected and unavailable incidents. But how much insurance and what kind?

This is your gym owner’s guide to CrossFit insurance to help you make an informed decision.

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.


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.


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.


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.


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.


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.