CrossFit Risk Rentention Group

CrossFit is one of the fastest-growing fitness trends across the United States. With its blend of exercise and lifestyle changes, this exercise regime has more than five million participants who enjoy the varying routines. You choose to open a CrossFit gym because you wanted to help people lose weight and get healthy to improve their quality of life.

CrossFit affiliates are popping up in many communities, and with this growth, CrossFit owners have a new need for CrossFit affiliate insurance. CrossFit affiliate insurance provides liability coverage for CrossFit cross-training business owners who offer group exercise classes or CrossFit-style workouts to members of the public regularly.

You need insurance to protect your investment and your personal assets should there be an accident or some other type of event. Some insurance is required, and others are important to protect your business. Here’s everything you need to know about insurance and CrossFit affiliate insurance.

crossfit_woman using rings in crossfit gym

What Insurance Coverage Does a CrossFit Gym Need?

As a CrossFit gym owner, there is insurance coverage that you need like any other small business owner. Some policies are required by the state, local, or federal government, while others are required by the lenders if your business has startup loans.

There are other types of insurance that it’s a good idea to have to protect the investment you’ve made in your CrossFit gym and your personal assets as well. When you’re working with the public, an accident, pulled muscle, or another event can happen in seconds no matter how hard you work to protect your customers. Here are some things to consider.

  • General and business liability: When an accident occurs, a customer might want to hold your gym responsible. This type of insurance helps to insulate your investment from lawsuits and other allegations of negligence or wrongdoing. These policies will make a lump sum payment to the injured party or represent you in a court case.
  • Workers’ compensation: Most states require businesses with any number of employees to carry a certain level of workers’ compensation. If one of your staff members is injured at work, this insurance takes care of their medical bills and covers part of their salary while they recover until they’re ready to return to work.
  • Professional liability: When a customer or other individual makes a claim alleging bad faith, fraud, gross negligence, or some other incompetence base on your role as a professional, this type of liability insurance will pay claims or represent your interests in a court case.
  • Property insurance: Whether your rent or own the space that you operate your CrossFit gym in, you’re more than likely responsible for any damages. From water damage due to a faulty pipe or a broken plate glass window, these damages can hit your cash flow where it hurts. Property insurance steps in and covers the cost of repairs.
  • Employee protection insurance: While you do your due diligence and strive to hire only the best employees, it only takes one off-color joke or inappropriate flirtation to find your CrossFit gym at the center of a lawsuit. This type of insurance helps to protect your gym from these allegations or actual incidents.

While not all types of insurance are legally required by the government or as part of your loan agreement, they do offer benefits to your CrossFit gym. They’ll protect your investment and hard work when the worst-case scenario happens.

What Is CrossFit Affiliate Insurance?

At CrossFit RRG, we understand how hard you’re worked and how much you’ve invested to start your CrossFit gym. We want to partner with you to protect your investment from a wide variety of liability issues and legal claims.

If you choose not to get certain levels of coverage, you’re leaving your business at risk from a judgment against it. The CrossFit affiliate insurance is a comprehensive policy that steps in to help if there’s an accident or some other event.

It offers the following coverage:

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

Instead of buying multiple insurance products, you can enjoy the benefits of coverage from a single CrossFit affiliate insurance policy.

crossfit_fit woman doing squats with dumbell

Cost Factors and Cost of CrossFit Affiliate Insurance

As a CrossFit gym and small business owner, you watch your expenses closely. There’s no need to pay a penny more insurance than you absolutely need to spend. The CrossFit affiliate insurance is designed to give you maximum coverage with a single premium.

The only cost factor that you need to worry about with this policy is the amount of money you make each year. The premium is $1,185 annually for boxes earning under $125,000 per year. You also need to make a $1,000 membership contribution over a five-year period.

CrossFit RRG understands you have many options when it comes to insurance for your business, but we believe we offer the best out there for your gym business needs.

Our team of insurance experts can answer your questions and guide you in choosing a policy that meets your gym’s unique needs. Contact us now to start the process. We truly care about you and the success of your gym business.


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.