CrossFit Insurance for Gyms, Classes, Competitions, and Instructors

CrossFit Insurance including Accident and General Liability. Hassle-free, online quote where you can save up to 38%!

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General Liability Insurance for CrossFit

  • High-limits from $1M to $6M
  • Affordable rates
  • Non-Owned and Hired Auto Liability

Accident Insurance for CrossFit

  • Reimburse medical bills
  • Limits up to $100k
  • Deductible options



What does CrossFit insurance cover? Crossfit class squatting with kettlebell

In the time that an injury claim arises against your business, you need to have coverage. These claims can cause financial strain on you and your business. In reality, a lawsuit could ultimately drive a company into bankruptcy if they don’t have access to funds that’ll cover the claim expenses. Applying CrossFit insurance is necessary to a comprehensive risk management strategy. It could help cover the costs from accidents and lawsuits that could end up being detrimental to your business. 

At Sadler Insurance, we offer CrossFit insurance that is customizable to your needs. For example, In the case of a CrossFit gym business, adding a general liability policy and accident insurance to your strategy will be very beneficial. 

Adding a solid general liability policy into your insurance strategy could help protect you against: 

  • Costs associated with lawsuits including legal defense, settlement costs, or adverse jury verdicts
  • Financial obligations to cover the costs of medical expenses
  • Payment for pain and suffering

Implementing accident insurance will help protect your CrossFit business by assuring quality medical care for injured participants. It is considered excess insurance that pays on a secondary basis after family health insurance if any. CrossFit is a risky activity that could cause severe injuries and require extensive medical treatment. Therefore, it is optimal to add accident insurance to your insurance policy.


Why do you need CrossFit Insurance?

Strenuous, physical activities like Crossfit are inherently dangerous. No matter how much effort you put into managing your risk, you can never eliminate it. Therefore, if you are running a CrossFit gym or teaching classes at a facility owned by a third party, be aware that accidents are likely to happen. People can get hurt at any time, including during class or in a competition. Therefore, you need CrossFit insurance to help cover the expenses you could be liable for in the case of an accident at your gym or in your class. 


Is CrossFit dangerous? 

As with any high-intensity workout, there is some risk involved with participating in CrossFit. For example, one study found that 20 percent of the CrossFit athletes surveyed had injured themselves while doing CrossFit endorsed workouts. This finding means that 20 out of 100 people who participate in CrossFit will experience injuries at some point. Nevertheless, the researchers concluded this is a high percentage and above average for recreational activity. 

The high risk of injury in Crossfit is due to the time limitation aspect of the activity. Athletes are encouraged to continue the exercise until the time runs out. Injuries will usually occur as athlete fatigue which causes low-quality form. When the form is flawed, the athlete will shift the weight load to areas that cannot handle the stress. In addition, CrossFit athletes attempt to push themselves past their limitations by lifting more weight than they can manage. Lifting too much weight can also cause the form quality to decrease and cause injuries. Injury at CrossFit gym

Common injuries linked to CrossFit:

  • Lower Back Pain and Strain
  • Neck Pain
  • Anterior Knee Pain
  • Wrist Strain
  • Tennis Elbow
  • Achilles Tendonitis
  • Rotator Cuff Tendonitis
  • Hernia


CrossFit risk management strategies

As a CrossFit business owner, you should take precautions to guard against the risks that are prone to your students. The nature of the sport is inherently dangerous; therefore, by implementing a thorough risk management strategy, you could help reduce your athlete’s risk of injuries. 

The following are simple tactics you can apply to help mitigate the risk at your gym:

Check the form

When it comes to lifting weights, form is everything. An athlete having proper form is key to avoiding injury. Therefore, athletes should be taught proper form before lifting themselves. In addition, a coach should be supervising the athlete to ensure the integrity of the form. In addition, if the athlete cannot complete the lift without sacrificing good form, the weight load should decrease.

Hire highly-trained trainers 

Not all trainers are created equally, and injuries can happen when the coach is inexperienced. These coaches tend to increase the volume of the exercise too quickly and attempt to push athletes far past fatigued. In addition, inexperienced coaches may not know how to convey the information Crossfitters needs to learn the form and exercise correctly. Therefore, only experienced should lead a CrossFit class. 

Check equipment 

Before class begins, trainers should set up and check the equipment students or athletes use. Having a routine geared to oversee the safety of the equipment could help reduce the risk of errors or injuries from faulty equipment. 

Health Questionaire

When new people join your CrossFit gym, have them fill out a health questionnaire. A questionnaire can help your trainers have insights into the student’s health that are not readily apparent. In addition, your trainers can determine how they will train each specific person depending on their abilities and limitations. 

Liability waiver

Having your athletes sign a liability waiver can help reduce your liabilities further. In addition, the waiver will inform the players about the risks associated with CrossFit, which would make them more aware of their possible negligence. 


What is CrossFit? CrossFit Trainer motivating two women doing box jumps

CrossFit has become a super popular workout choice for the past few years. But, what exactly is CrossFit? It is a high-intensity, full-body interval workout that mixes building strength and conditioning training. CrossFit is a group class, and it is constructed as a circuit of consecutive exercises. Therefore, the course participants will complete the circuit together. 

Leading the class is a professional CrossFit instructor that guides and encourages the participants. The instructor for each class schedules the circuit of exercises. CrossFit is different than other workout classes because, with each activity, there is a predetermined amount of time allotted to focus on one movement at a time. In contrast, many other workouts regimes will give you a specific amount of reps to complete with no time limit. CrossFit’s objective is to finish as many reps as possible in the time allocated for that particular exercise and then move to the next in the circuit. 

The workout is mainly made up of functional movements that help increase strength and agility. The goal of the workout is for the athletes to get stronger in the gym and in everyday life. Therefore, the exercises are centered around day-to-day actions, such as squatting, pulling, pushing, etc. Overall, CrossFit focuses on heavy lifting, powerlifting, and cardiovascular work. 


What is a CrossFit competition? 

Recreational CrossFit is popular among many to get their exercise in during the week. In addition, you can also participate in the sport competitively. A CrossFit competition involves athletes competing against each other in various popular CrossFit movements. The participants will go through a variety of high-intensity exercises during the duration of the competition. For example, the competition may include squats, deadlifts, pullups, Olympic lifting, etc. Judges score each activity individually and the lowest-scoring contestant is eliminated during each round. After the final round, the athlete or team with the highest overall score will win. 


What are CrossFit’s health benefits?

There is a reason that CrossFit has become so popular over the past few decades. The design of the sport supports and improves various areas of the athlete’s health. Crossfit mainly includes plyometric jumping, Olympic weightlifting, and explosive bodyweight movements. All of these activities are incredibly beneficial for a person’s health. The following are a few health benefits of participating in regular CrossFit classes and training for competitions. 

  • Improvement of Physical Strength
  • Cardiovascular health improvement
  • Improvement in agility, coordination, and balance
  • Manage weight


Submit a quote to Sadler Insurance today!

Crossfit is an excellent activity that gets the participant’s activity levels up. However, it is also highly vigorous and requires athletes to endure strenuous workouts. So, although CrossFit is great for your health, it is hazardous. 

Sadler Insurance is here to help mitigate the risks your CrossFit business faces. We have customizable packages to get the coverage that fits your needs. With incredible saving up to 38% and industry-leading service, protecting your business will be hassle-free and affordable. Submit a quote today!