By the General Liability Guide Editorial Team. Our guides are verified against actual insurance carrier rate sheets and state industrial commissions.
Running a gym or yoga studio involves constant physical activity, which unfortunately leads to injuries. In 2026, many carriers are requiring stricter facility inspections before issuing policies.
The Power of the Waiver
While a waiver doesn't make you bulletproof, it is your first line of defense. Insurance companies often require you to have signed waivers for every member as a condition of your General Liability coverage.
Frequently Asked Questions
Often no. Saunas, cryotherapy, and pools are considered "Specialty Risks" and usually require an additional premium or a separate policy.
About This Guide
This guide was researched and written by the General Liability Guide editorial team to help business owners navigate the complexities of commercial insurance. We use data from industry leaders and regulatory filings to provide the most accurate estimates possible.