This coverage is designed for businesses operating as fitness facilities. A wide range of facilities are eligible for this program—from small personal training studios to big box facilities with a full range of equipment and amenities. Fitness centers offer valuable services as help people reach their fitness goals and become healthier in general. But in some cases, they can be a lawsuit waiting to happen if a member is injured on faulty equipment or an inexperienced instructor gives bad advice. That's why business insurance for fitness centers is a must. Types of Fitness Center Insurance Business insurance for fitness centers will consist primarily of liability insurance and property insurance to cover replacement or repair costs for equipment, General liability to cover costs if you are sued for medical bills or pain and suffering if a person is injured in your fitness center. This explanation of insurance benefits is provided by Insurance Marketplace.