In our previous post, we discussed how white-labeled insurance has become a growing trend in the fitness industry. While these policies are marketed as an easy solution, gym owners should take a closer look at how they compare to industry-specific insurance options.

1. Understanding Who’s Actually Covering You

Traditional industry-specific insurance provides direct access to a carrier that understands fitness-related risks. White-labeled insurance, on the other hand, is often backed by carriers with little to no experience in the gym industry.

When a claim arises—whether from an equipment-related injury, a high-intensity training session, or a medical issue like rhabdomyolysis—these carriers may not have the specialized knowledge needed to properly assess and support gym owners. Additionally, claims are often managed by third-party administrators (TPAs) who are primarily focused on limiting payouts rather than offering industry-informed support.

2. Broad Policy Language Can Lead to Denied Claims

One of the biggest concerns with white-labeled policies is that they often use generic language that isn’t tailored to the fitness industry.

When policy wording is too broad, it can create gray areas that lead to claim denials. For example:

• A client suffers an injury from a plyo box accident—is this explicitly covered under your policy?
• A member develops a serious medical condition from overtraining—does your policy clearly define protection for these cases?

Without clear, industry-specific language, insurance companies have more flexibility to interpret the policy in a way that may limit coverage.

3. Low-Cost Coverage Can Lead to Higher Long-Term Costs

One of the reasons gym owners may be drawn to white-labeled insurance is the lower upfront cost. However, it’s important to consider the long-term financial impact.

• A policy that doesn’t cover key risks can result in costly out-of-pocket expenses.
• If a claim is denied, legal fees alone can be financially devastating.
• In worst-case scenarios, inadequate coverage can put a gym’s future at risk.

At AGuard, we take a different approach. Our policies are designed specifically for gyms, fitness studios, and training facilities, ensuring that you’re protected in real-world situations. With a team that understands fitness industry claims, we work alongside gym owners to provide the right coverage—not just a one-size-fits-all policy.

If you’re evaluating your insurance options, we’re happy to provide insights and recommendations. Get in touch with us today to ensure your gym has the protection it needs.