CrossFit Risk Rentention Group

With more than four million people in 120 different countries choosing CrossFit, it’s not surprising that there are more than 4,000 gyms and trainers in the United States alone. If you own or manage a CrossFit gym, you chose CrossFit because you believe in the lifestyle and exercise program.

Owning a CrossFit gym is similar to other small businesses in many ways. As an owner, you have a lot of balls in the air from hiring staff and finding new clients to paying bills and selecting the right insurance to protect your investment.

You don’t want to neglect finding the best insurance possible. Insurance protects your investment when the unexpected happens from a liability lawsuit to damage to your rental property. This guide can help you discover how to get CrossFit affiliate insurance.

What Is CrossFit Affiliate Insurance?

getting crossfit affiliate insurance

When you opened your gym, you first had to secure the rights to use the CrossFit name. You did this through a licensing agreement and paying an agreed upon fee. As part of your CrossFit licensing contract, you’re required to carry insurance for your business and also name CrossFit on the policy.

This affiliate insurance policy protect not only your gym but offers coverage for the CrossFit brand. In some cases, a lawsuit against an incident at your gym might also incorporate CrossFit. Our CrossFit affiliate insurance covers:

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

This insurance is detailed and offers you and your CrossFit gym a wide range of protection against the unexpected that you can’t even dream of until it happens. CrossFit Risk Retention Group (RRG) is a community of gym owners who want to partner with you to succeed.

If your gym makes under $125,000 per year in revenue, you’ll pay s $1,185 annually for your affiliate insurance coverage. You’ll become a member of the community by paying the $1,000 membership fee.

You don’t need to pay the membership fee all at once. However, you do need to pay it within five years of joining and pay a minimum of $50 each year until it’s paid in full.

How Do You Get CrossFit Affiliate Insurance?

While you might be able to find another company that offers CrossFit affiliate insurance, it’s better to be part of a community that offers outstanding coverage to you and the other members. You get that with CrossFit RRG coverage.

When you’re ready to get CrossFit affiliate insurance, it’s easy to do. You go online, and in three simple steps, you’re covered. Here’s a look at those steps:

  1. Apply. You’ll start by providing your email address and creating a password to create an account. You’ll need to provide some personal and business information, such as your full name, the full name of the business, address, yearly revenue, and more.
  2. Get a quote. After supplying your essential information, you’ll receive a quote for your affiliate insurance coverage. You can take all the time you need reviewing your options.
  3. Make your selection and pay for your coverage.

You will find that the process of getting CrossFit affiliate insurance is quick and easy. The most difficult part will be reviewing your quote and making a decision as to the right coverage for your personal needs and for that of your business.

Is There a Tax Advantage for Carrying CrossFit Affiliate Insurance?

As a small business owner, you know that you need to pay taxes on your profits. However, you don’t want to pay any more than is absolutely necessary. Each purchase you make is weighed by its ability to be viewed as a business expense.

The good news is that you can list your CrossFit affiliate insurance as a business expense and deduct from your business’s taxable income before determining how much you owe each year. This can lower the amount that your gym owes in taxes.

Other Benefits of CrossFit Affiliate Insurance

crossfit insurance

While you’re required to carry CrossFit affiliate insurance, you want to enjoy real benefits from it. Other than meeting your contractual obligations this insurance offers real benefits for you and your gym. These benefits include:

Fulfills Your Obligations

If your gym is in the United States, there are federal, state, and locals laws that require you to maintain a certain amount of insurance as a business owner. This is to protect you, your staff, and the members of your gym.

Since you’re licensed as a CrossFit gym, you also have an obligation to the CrossFit organization to maintain an affiliate insurance policy. It’s essential that you complete your contractual obligations, so you can keep your affiliation.

Help When You Need It

If you’re served with a lawsuit, it can feel disorientating. With liability coverage, the insurance company provides you with an attorney to represent you, your business, and your policy.

The insurance will take over negations for a settlement or send a lawyer to represent you in court. They want the situation handled as fairly and inexpensively as possible.

Protection for Your Investment and Cash Reserves

Accidents happen in seconds, but you can spend years fighting a lawsuit or paying off a judgment against your business. In some cases, the claimant might even come after your personal assets.

CrossFit affiliate insurance offers you a safety net when the worst happens. The liability insurance will absorb judgments and settlements, so your business remains intact and your cash reserves stay in reserve.

At CrossFit RRG, we can do more than provide you with the affiliate insurance policy that fulfills your licensing obligations. We can welcome you into our community and help you become a member, so your CrossFit gym is always protected. Contact us today with any questions or concerns.


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.