You’ve put everything into your gym. Your money, your time, your reputation. But what if one overlooked detail could bring it all crashing down? In this episode, Karissa Gurske, a 17-year insurance industry veteran, breaks down how to protect your business before it’s too late. Whether you’re new to insurance or think you’re already covered, these five insights could save your business.
The #1 Most Dangerous Phrase: “There’s No Coverage for That”
The biggest risk isn’t injury. It’s hearing “you’re not covered” after a major claim. Many policies have hidden exclusions for services like red light therapy, HRT, cryotherapy, or even tanning. Karissa shares how one business owner unknowingly had zero coverage for 60% of their revenue. This is a type of mistake that could have shut them down.
Not All Insurance Agents Are the Same. Here’s How to Spot a Good One
Most agents mean well, but that doesn’t mean they’re experts in the fitness space. Karissa reveals the key questions every gym owner should ask before trusting an agent: Do they specialize in your industry? How many gyms have they insured? Do they know the details of your services? If not, you’re probably at risk.
Audit Your Policy Before It’s Too Late
When’s the last time you actually read your insurance policy? Karissa urges gym owners to get a second opinion from someone who knows what they’re doing. Even if you already have insurance, you could be under-covered, overpaying, or exposed in ways you don’t realize.
The Best Insurance Agents Do This One Thing Differently
Karissa doesn’t work with everyone, and that’s intentional. She believes the best insurance agents care. The right agent will learn your business, anticipate your risks, and stay in touch as your services evolve. It’s not just about the policy. It’s about building a real relationship with someone who protects what you’ve built.
Overpaying or Underpaying? Both Are a Problem
Karissa breaks it down simply: if you’re overpaying, you’re wasting money. If you’re underpaying, you’re exposing your gym to serious risk. A good insurance setup finds the balance. Enough to protect you fully, without draining your cash flow. Most gym owners are on the wrong side of that line.
Listen Now
Too many gym owners wait until disaster strikes to care about insurance. Don’t let that be you. This episode is packed with real stories, expert tips, and practical advice that could protect everything you’ve worked for.
Listen to the full episode to learn how to bulletproof your business before it’s too late.
