IF A MEMBER GOT HURT
TODAY,
WOULD YOU
BE COVERED?
Most owners find out when the claim is denied. Check yours free in 2 minutes.
Most gym owners think their waiver protects them. Then a member gets hurt, hires a lawyer, and the waiver becomes one piece of paper in a long fight.
Your coaches are 1099, your policy only covers employees, and nobody told you there's a gap until a client gets hurt in a session.
You run kids classes and open late, but your insurance was set up the day you opened and hasn't been looked at since.
Most agents sell a policy. We walk your gym floor.
Here's how a typical insurance quote compares to a real coverage review.
TYPICAL AGENT
- Quotes the cheapest policy and moves on
- Never asks about your coaches or contracts
- Doesn't know what a kids program needs
- Renews you every year without a review
- Disappears when you have a claim
LITTLE & SONS
- Reviews your lease, waiver, and coach contracts
- Covers W2 and 1099 coaches the right way
- Builds coverage for kids programs and open mats
- Shops multiple specialty fitness carriers
- Comes to your gym for a free walkthrough
Everything your gym is exposed to, in one review.
Member injuries
Slips, dropped weights, machine accidents, and sparring injuries.
Coaches and trainers
Whether your W2 and 1099 coaches are actually covered.
Kids programs
Abuse and molestation coverage most gyms don't realize they need.
Equipment and property
Racks, machines, mats, and build out if they're stolen or damaged.
Unstaffed hours
Key fob and 24 hour access, and whether your carrier knows about it.
Your lease
The limits and wording your landlord requires, done right.
Situations we see at gyms every month.
A member drops a barbell on someone else's foot
The injured member sues the gym and the member who dropped it. Without the right liability coverage, legal costs land on you.
A parent files a complaint against a coach
Even an unfounded claim can cost thousands to defend. Many general liability policies exclude it completely.
A member gets hurt at 2am with no staff on site
If your carrier didn't know about unstaffed hours, the claim can be disputed.
Ready to See Where Your Gym Stands?
Take the free coverage check and we'll show you exactly where you're exposed.