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Insuring a Home Microgym - Protect Your Business

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Photo by Vlad Deep on Unsplash


You’ve finally decided to open a home microgym, and you want to take care of the legal aspect of opening your microgym. There are a number of things you should do to protect your microgym business and ensure that your hard work does not go to waste. No matter how well you prepare your gym, situations that require protection are likely to present themselves and ensuring that you are ready to confront them is vital to success in the microgym industry.

And yes! You can insure a home-based microgym.

Gym Liability Insurance

One of the first steps of insuring a microgym is investing in gym liability insurance. This kind of insurance is used to protect your business when an injury takes place. This insurance mainly covers you for injuries that did not take place during a training session or while being supervised by a gym employee. For example, a client slipping in the change room, or similar.

Gym liability insurance will defend you in case of any lawsuits against your company following an injury of this kind, thus, it is essential to invest in gym liability insurance.

Professional Liability Insurance

Although this next type of insurance may seem similar to gym liability insurance, ensuring your business is covered by both gym and professional liability insurance is important. Unlike gym liability insurance, professional liability insurance helps your business in cases of lawsuits for negligence against your microgym. Microgym lawsuits may occur when a client feels that the trainer mislead them or put them in danger, leading to an injury. Having professional liability insurance will help you make sure that such lawsuits don’t go through, or at least have a much smaller impact on your business.

General Liability Insurance

While having professional liability insurance is great, and it is certainly helpful, having general liability insurance on top of your professional liability insurance is a great way to opt for maximal protection. Whether it be an injury, property damage, or anything else, General Liability Insurance will certainly protect you in one way or another by fighting against potential lawsuits.

Business Owner’s Policy (BOP)

An alternative option is considering investing in BOP, Business Owner’s Policy. This form of insurance combines essential types of insurance into one. Business Owner’s Policy includes general liability insurance as well as insurance that will protect your property from damage. It is important to note that this option may not be available to all microgym owners as the plan is not always offered to those running a business from home. Eligibility for BOP is 100% situational and will depend on a number of factors.

For a list of The 6 Best Business Owner's Policy Insurance check out this Investopedia article.

Establishing a Gym Policy

Finally, establishing a clear gym policy to which all of your clients must agree will help you eliminate problems down the road. In case of a lawsuit, having a gym policy that your client agreed to can drastically improve the result of the lawsuit for you, as a microgym owner. Common information included in a gym policy includes:

  • No food or beverage in the gym.
  • Equipment must be used at your own risk.
  • Workout space must be left clean after use.
  • Etc

An agreement of this type will not only help you in case of a lawsuit but also share general information about your rules and regulations to keep your clients safe and happy in a clean gym environment.

Something that goes hand in hand with a gym policy are waiver forms, which we will cover in a future article!


Overall, there are a number of insurance plans that will benefit you if you own a home microgym. Injuries in gyms are common, and being prepared for such situations is the key to success. We hope this guide helped you understand some things to consider in order to protect your microgym!

Ready to get started?  Follow these steps on starting a home microgym! There's more on insurance there.

John Borrego

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