CrossFit Risk Rentention Group

When you own a CrossFit gym, you believe in high standards and providing your customers with the best experience possible. One of the things you need to deal with as an owner or manager is the right insurance company and policy. You want to get the most coverage for the least amount of money. However, you need to make sure you have the right coverage that can save your business if anything happens.

From accidents to an employee who acts inappropriately, there are a lot of things that can happen in your CrossFit gym that can leave you liable. This is why you have insurance. Insurance can protect your assets if something goes amiss in your gym. Here’s a look at how CrossFit Gym Insurance can save your business.

Types of Insurance Offered by CrossFit Gym Insurance

At CrossFit Risk Retention Group, we’re dedicated to helping gym owners like you protect their businesses. We offer two main types of insurance for your business, including:

  • General liability coverage: This is a type of business insurance that protects companies and pays claims when something happens that the company is responsible for, such as injuries, damage to the property, or employees acting inappropriately.
  • Professional liability coverage: This is a type of insurance that provides protection when someone files a claim against you personally as a professional.

Carrying these types of insurance can be the difference between saving and losing your business if something unexpected happens.

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Ways CrossFit Gym Insurance Can Save Your Business

When it comes to covering liabilities, CrossFit Gym Insurance can help save your business. Here are a few things to consider.

Accidents and Injuries

You always try to make sure that each of your customers is performing their exercises and activities in the safest manner possible. However, you know it only takes a moment for an accident or injury to occur no matter how careful you are. In many cases, the injured party will try to settle with you or your insurance company for the cost of medical bills and pain and suffering.

If it’s a serious injury, this can cost hundreds of thousands of dollars and bankrupt your business. It can also take your home and savings if they sue you personally too. With our personal and professional liability policies, you can save your business and personal belongings. We’ll pay the claims up to the limit in your policy so that you don’t have to.

Damage to Your Space

From heavy equipment to dings to walls, damage occurs quickly no matter how careful you are. When you’re renting the space where you run your gym, your landlord expects you to pay for those damages. This can cost you thousands of dollars, depending on the type of damage.

With a general liability policy, you’ll find that many of these damages are covered. While you may need to pay a deductible, you won’t be on the hook for the entire amount. It’s hard to pay for repairs when they arise unexpectedly. These types of repairs can eat into your cash flow and cause you to miss essential payments, such as payroll or rent.

By carrying general liability insurance, you don’t put your company at risk by creating cash flow issues. After damage to your rental location occurs, you file a claim, and the insurance company handles the rest.

Protects You From Advertising Injuries

Sometimes, when you advertise your business or create signage, you may find yourself in the middle of a lawsuit claiming stolen ideas, copyright infringement, slander, or other things you said or printed in advertising materials. Hopefully, you haven’t intentionally done any of these things.

However, occasionally, you may do these things inadvertently. When this happens, you may end up owing the other party a lot of money. In order to keep your finances and business after a large judgment like this, you need general liability insurance to cover these awards.

crossfit_woman doing box jumps (CrossFit Gym Insurance)

Unprofessional Behavior

You train your staff to show the most professionalism available. While you would never say anything inappropriate or maintain a sexual relationship with your customers, one of your team might. It could even be innocent flirting that a customer takes the wrong way. Unfortunately, these incidents are becoming more common, or at least, you’re hearing about them more.

Either way, your customer might seek damages by suing your gym. When a jury settles this type of lawsuit, you’re at the mercy of 12 people who can essentially hand the keys to your business over to the wronged party.

You need personal liability to ensure that you’re protected if this ever happens at your gym. It’s a part of the abuse and molestation clause and can save your business if anything happens at your CrossFit gym.

Communicable Diseases

If you’re running CrossFit classes and workouts in a small enclosed space, it’s entirely possible that you may, at some point, have an outbreak. You encourage your employees and customers to stay home when they are sick, but this doesn’t always happen.

Whether it’s the flu, chickenpox, or some other illness, if the authorities can trace a large outbreak back to your gym, some of your customers who got sick might decide to come after you for damages. These damages might include medical bills, lost wages, and other costs.

In many of these types of cases, when you have insurance, the policy pays out the costs, and life goes on. However, without the right policy, you may find yourself in a position where you need to pay a lot of money to someone or a group of people. Once again, your insurance policy for general and professional liability can save your business.

At CrossFit Risk Retention Group, we can help you find any insurance policy that helps protect your livelihood and ensure you don’t find your business in jeopardy. When you’re ready to learn more about your options, contact us or call us at (310) 937-2007.


If you’re a broker looking for innovative insurance solutions for your clients, we invite you to learn more about NEXO Insurance Services. With a focus on technology, flexibility, and customer service, NEXO offers a wide range of insurance products and services designed to meet the unique needs of today’s businesses.

By partnering with NEXO, you can offer your clients the peace of mind that comes with knowing they have the right insurance coverage in place. To learn more about NEXO Insurance Services and how they can help you grow your business, visit our Agents & Broker website or contact us today.