Businesses that operate fitness and recreational sports facilities (U.S. Census NAICS 713940), from a personal trainer to a full gym or studio.
U.S. Census NAICS 713940: Fitness and Recreational Sports Centers
What can go wrong for gyms and fitness businesses?
- A member injured using equipment or during a class.
- A claim that a training program caused an injury.
- Expensive equipment damaged or a facility fire.
- A staff member or trainer hurt on the job.
What insurance does a gym or fitness business need?
Fitness businesses typically carry general liability, professional liability for training and instruction, commercial property for equipment, and workers compensation once staffed. Signed waivers help but do not replace liability coverage, and how much you need scales with your class types and equipment.
What does Georgia require?
Georgia requires workers compensation at three or more employees, including trainers on payroll (Georgia State Board of Workers Compensation, O.C.G.A. Sec. 34-9-2(a)(2)).
Source: Georgia State Board of Workers Compensation (O.C.G.A. Sec. 34-9-2(a)(2)).
Explore more Georgia insurance facts and statistics, each cited to a government or research source →
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Which carriers cover gyms and fitness businesses?
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Where we work
Olive Cover works with gyms and fitness businesses across Georgia, including Alpharetta, Athens, Atlanta, Augusta, Buford, Cumming, Duluth, Johns Creek, Lawrenceville, Macon, Sugar Hill and Suwanee.