Gym and Fitness Studio Insurance in California
Coverage built for gyms, fitness studios, and personal trainers
From a local Farmers agency in Ontario, serving the Inland Empire and all of California.
Call (909) 972-0699 or get a free quote below.
Get My Free QuoteFitness businesses help people push their limits, which also means injuries can happen. We help Inland Empire gyms, studios, and trainers protect their business, their equipment, and their clients.
Who we cover
- Gyms and fitness centers
- Yoga, Pilates, and cycling studios
- CrossFit and boot camp gyms
- Martial arts and boxing studios
- Independent personal trainers
Coverage to consider
General liability
Covers member and visitor injuries on your premises.
Professional liability
Covers claims that your training or instruction caused an injury.
Commercial property
Protects equipment, mirrors, flooring, and improvements.
Equipment breakdown
Helps repair treadmills, bikes, and other machines after a covered breakdown.
Workers' comp
Required for employees, including front desk staff and employed trainers.
Coverage options, limits, and eligibility vary by carrier and are subject to underwriting. We'll match you with the right options from the carriers available to our agency.
Common risks we help you plan for
Member injuries on equipment, claims tied to training instruction, slips in locker rooms, and damaged or stolen equipment are the biggest risks for fitness businesses.
Why work with a local agent
Our office is at 3602 Inland Empire Blvd #C330, Ontario, CA 91764, so you can sit down with us in person or handle everything by phone and text. We review your operations, explain your options in plain language, and help when it's time to file a claim.
3602 Inland Empire Blvd #C330, Ontario, CA 91764
Office hours: 9:00 to 5:30
Phone: (909) 972-0699
Areas we serve
We work with gyms, fitness studios, and personal trainers throughout the Inland Empire, including Ontario, Rancho Cucamonga, Chino Hills, Chino, Upland, Fontana, Montclair, and Eastvale, and across California.
Related coverage
Frequently asked questions
Do independent personal trainers need their own insurance?
Yes. Many gyms require independent trainers to carry their own liability coverage, and it protects you if a client claims an injury.
Does a liability waiver replace insurance?
No. Waivers can help, but they don't prevent claims or legal costs. Insurance is still important.
Are my gym machines covered if they break?
Equipment breakdown coverage can help with covered mechanical and electrical breakdowns.
Do you serve businesses outside Ontario?
Yes. Our office is in Ontario, and we serve businesses throughout the Inland Empire and across California.
Get your free quote
Farmers Insurance, Young Douglas. CA License #4091974. Coverage, discounts, and eligibility vary and are subject to underwriting.
Disclaimer
Farmers Insurance - Young Douglas provides home, auto, life, and commercial insurance products independently. References to mortgage brokers, real estate agents, or other professionals are for convenience only and do not imply a referral arrangement or financial affiliation.