CrossFit is a high-intensity fitness program built around strength, endurance, and community. But with powerful workouts comes the potential for injury, accidents, and liability claims. Whether you’re a CrossFit trainer, box owner, or affiliate operator, the right insurance coverage is critical for protecting your business and your clients.

Here’s a clear breakdown of the essential insurance coverages to consider when it comes to CrossFit liability insurance:

1. General Liability Insurance

This is the foundation of your protection. General liability insurance covers third-party bodily injury and property damage claims. If someone gets hurt during class or a client’s property is accidentally damaged, this policy helps with medical costs, legal fees, and settlements.

Example: A member trips over a kettlebell and suffers an injury — this policy helps cover the claim.

2. Professional Liability Insurance

Also known as errors and omissions (E&O) insurance, this policy is designed for CrossFit trainers and coaches. If a client claims your guidance or programming led to an injury or failed to deliver expected results, professional liability covers legal defense and damages.

Example: A client claims improper instruction caused a back injury — this policy supports your defense.

3. Participant Liability Insurance

If you operate a CrossFit gym or host events, this coverage protects you in case a participant is injured while taking part in a workout or competition. It covers claims related to active participation, including medical bills and legal expenses.

4. Property Insurance

Own the gym? Property insurance protects your physical space and equipment from risks like fire, theft, vandalism, and natural disasters. This includes your building, gym equipment, office contents, and signage.

Tip: Make sure outdoor storage or off-site equipment is also included in your coverage.

5. Business Interruption Insurance

If your facility is forced to close temporarily due to a covered loss — such as fire, storm damage, or major equipment failure — business interruption insurance helps replace lost income and cover ongoing expenses while you recover.

6. Cyber Liability Insurance

As CrossFit gyms increasingly rely on technology for member management, scheduling, and payments, cyber liability insurance has become essential. This policy protects your business in the event of a data breach, cyberattack, or other tech-related incident.

Coverage can include legal defense, customer notification costs, data recovery, and regulatory fines.

Why CrossFit-Specific Insurance Matters

Injuries happen. Claims happen even more often. A dropped barbell, a sprained ankle, or a client accusing you of improper technique can result in expensive lawsuits or settlements. Generic insurance policies often leave out key protections. CrossFit-specific insurance ensures you’re covered where it counts — without surprise exclusions.

Local Expertise, Trusted Coverage

At Combined Insurance Service LLC, we proudly serve gyms and fitness professionals in:

• Lee’s Summit

• Blue Springs

• Independence

• Kansas City

We understand Missouri liability laws and work with over 15 top-rated carriers to match you with the right coverage at the best possible rate.

Frequently Asked Questions

Does my landlord’s policy cover my gym?
No. Your landlord’s policy only covers the building structure — not your equipment, your liability, or your members.

What if I host CrossFit events or competitions?
We offer short-term event insurance and expanded coverage options. Just let us know during your quote.