Fitness & Gym Insurance in West Virginia & Ohio
You help people get stronger. We help protect what you've built.
Fitness is a physically demanding industry where injuries happen. From dropped weights to cardiac events, the risks are real. The right insurance protects your business, your equipment, and your career. Many fitness businesses can get instant quotes below.
Get an Instant Fitness Business Quote
Many fitness and sports businesses can get quoted in minutes
Before You Get a Quote
By using this business insurance quoting tool, you understand and agree that:
- Business Information: You will be providing information about your business including your business name, type of work, number of employees, annual revenue, and contact information. If you proceed with a policy purchase, you may be asked to provide additional details such as your EIN, payroll information, and other business data.
- Quote Provider: This instant quote tool is powered by one of our partner insurance carriers. Your quote and any resulting policy will be directly with that carrier.
- Information Sharing: The information you provide will be shared with our partner carrier and Parrack Insurance Agency for the purpose of providing you with accurate business insurance quotes.
- Contact: After completing your quote, you may be contacted regarding your quote results and coverage options. Parrack Insurance Agency may also follow up to ensure you found the coverage you need.
- Not All Businesses Qualify: Our partner carrier has specific eligibility requirements. Some business types, high-risk operations, or businesses outside their appetite may not qualify for instant coverage.
Your information is used solely for insurance quoting purposes and is handled in accordance with our partner's and our privacy policies.
Fitness Businesses We Cover
Gyms & Fitness Centers
Full-service gyms with equipment and group classes
Personal Trainers
One-on-one fitness training and coaching
Yoga & Pilates Studios
Yoga, Pilates, and mind-body fitness classes
CrossFit & Functional Fitness
High-intensity functional training gyms
Martial Arts Studios
Karate, jiu-jitsu, boxing, and self-defense
Dance Studios
Dance classes and instruction for all ages
Swimming Instruction
Swim lessons and aquatic fitness
Sports Coaching
Private and group sports instruction
Coverage Options for Fitness Businesses
General Liability
EssentialEssential for fitness businesses. Covers injuries to clients—a dropped weight, a fall off equipment, a slip in the locker room. Also covers property damage you cause to a training location.
Learn more about general liabilityProfessional Liability
EssentialProtects against claims that your instruction, training program, or advice caused injury. If a client claims you pushed them too hard or gave bad form cues that caused injury, this responds.
Learn more about professional liabilityProperty Insurance
EssentialCovers your fitness equipment, furniture, sound systems, and supplies from fire, theft, and damage. Gym equipment is expensive and needs proper protection.
Learn more about property insuranceWorkers Compensation
EssentialRequired in West Virginia and Ohio if you have employees. Fitness instructors can be injured demonstrating exercises, spotting clients, or moving equipment.
Learn more about workers compensationEquipment Breakdown
Covers repair or replacement when your fitness equipment fails mechanically or electrically—treadmills, ellipticals, weight machines.
Learn more about equipment breakdownLiability Waivers Are Not Enough
Many fitness businesses rely on liability waivers, but they have significant limitations:
- Waivers don't protect against negligence claims—if you're careless, courts may not enforce the waiver
- Even with a valid waiver, you still face legal defense costs—insurance pays those
Use waivers AND insurance together. Waivers are your first line of defense; insurance is your backup when waivers fail.
Ready to Protect Your Fitness Business?
Try the instant quote tool above for fast coverage, or call us to discuss your specific needs. We help fitness professionals throughout West Virginia and Ohio.
Looking for a different location?
We also serve other areas in West Virginia
Ryan Parrack Insurance
Serving Elkins, Buckhannon & Northern/Central WV
Elkins, WV