How Daxko Business Insurance helps clubs cut costs and reduce risk

While running a successful club, you’re managing member expectations, staffing, programs, equipment, and a full tech stack of software and payment providers. Somewhere in that mix sits your business insurance, often on autopilot, rarely revisited, and almost never tailored to the realities of a modern fitness business.

Daxko Business Insurance changes that. It brings fitness-specific commercial coverage directly into the Club Automation ecosystem, so you can protect your business with the same partner you already trust for billing, payments, and member management.

Many clubs inherit generic commercial policies that were “good enough” when they were first written. Over time, premiums creep up, riders get bolted on, and very few operators stop to ask: Is this really the right coverage for a fitness club, and at the right price?

Industry data shows that fitness-specific policies can sharply reduce costs because they focus on the actual risks of gyms and studios instead of broad, one-size-fits-all coverage. Across Daxko’s ecosystem, clubs moving to tailored business insurance have saved an average of 39% on their policies. Daxko Business Insurance is built to help Club Automation customers capture these savings without adding another vendor to their already long list.

Daxko Business Insurance is a fitness-specific commercial insurance solution designed for health clubs, gyms, and studios, seamlessly accessible within Club Automation.

For Club Automation operators, that means:

• Reduced risk, stronger financial health – Combining insurance and payments under Daxko helps clubs protect revenue, ensure business continuity, and qualify for better rates.
• Expert, fitness-focused guidance – Work with a provider that understands equipment, trainers, high-traffic facilities, and class-based programming.
• Less operational friction – From quotes to binding and renewals, the process is designed to feel like an extension of your existing workflow, not a separate project.

General commercial policies are often built for offices, retail, or light industrial environments, not for facilities full of heavy equipment, high-intensity workouts, and group training. Fitness business insurance typically combines general liability, professional liability, and coverage for business personal property in a way that reflects real-world risks: equipment injuries, instructor negligence claims, member slip-and-fall incidents, and more.

Daxko Business Insurance focuses specifically on:

1. Commercial liability – Including general liability and professional liability for trainers, instructors, and staff.
2. Business personal property – Protection for equipment, furnishings, and other moveable assets that keep your club running.
3. Right-sized coverage – Fitness-specific policies avoid unnecessary add-ons that often bloat generic commercial plans.

Because Daxko already powers your billing, payments, and operational data, insurers get a clearer picture of your business health and risk profile. That can translate into faster underwriting decisions, better-aligned coverage, and preferred pricing that improves over time as your performance data builds.

Insurance is not a standalone initiative for Daxko, it is part of a broader financial services strategy that includes billing, payments, loans, and revenue analytics for thousands of mission-driven organizations.

1. Consolidation: Fewer vendors to manage for your core financial stack.
2. Visibility: A more complete view of your club’s financial health, from recurring revenue to risk exposure.
3. Operational efficiency: Staff spend less time chasing paperwork, logging into multiple portals, or deciphering policy jargon, and more time on members and programming.

The end goal is simple: make financial operations easier, more predictable, and more resilient for fitness businesses of all sizes.

When you explore Daxko Business Insurance within Club Automation, you can expect:

• Significant savings potential – Clubs are currently saving an average of 39% on premiums by moving to fitness-specific coverage through Authentic.
• Free policy comparisons – You can compare your current coverage against proposed options at no cost or obligation.
• Concierge switching support – Get help canceling your existing policy and even securing eligible refunds, so the transition doesn’t become another to-do on your plate.
• Effortless access – Referral flows are built directly into Club Automation via banners, in-app links, and email, so you don’t need to hunt for the right page.

Daxko Business Insurance is designed for most U.S.-based clubs using Club Automation, with a few clear exclusions:

• Clubs located in Alaska or Hawaii
• Clubs with pools
• Facilities operating a licensed daycare center

If your club doesn’t fall into these categories, you’re likely eligible to request a quote and explore coverage options.

If you’re already on Club Automation, getting started with Daxko Business Insurance is intentionally straightforward:

1. Request a free quote – Share a few details about your facility, current coverage, and operations to receive fitness-specific options.
2. Compare and decide – Review side-by-side comparisons of your current policy and the proposed coverage, focusing on gaps, limits, and total annual cost.
3. Switch with support – If you choose to move forward, the Authentic team helps you cancel your old policy and secure eligible refunds, so there’s minimal disruption to your operations.

With Daxko Business Insurance part of the Club Automation ecosystem, you can simplify your tech stack, reduce risk, and potentially unlock meaningful savings, without adding another vendor to manage.

Don’t let “good enough” coverage cost you more than it should. Start your fitness-specific insurance quote today and get started with Daxko Business Insurance.

What is Daxko Business Insurance?

Daxko Business Insurance is a fitness-specific commercial insurance solution offered through Daxko’s financial services ecosystem. It provides tailored coverage and competitive rates for health clubs, gyms, and studios, accessible directly through the Club Automation platform.

Who powers the insurance offering?

Daxko Business Insurance is powered by Authentic, a trusted provider with deep experience serving the fitness industry. Authentic underwrites and manages policies behind the scenes, ensuring clubs receive expert guidance and reliable protection while maintaining a unified Daxko experience.

Why is Daxko offering insurance?

This is part of Daxko’s broader financial services suite, helping clubs consolidate key financial functions like billing, payments, loans, and insurance under one trusted partner. The goal: reduce complexity, minimize risk, and make it easier to manage every financial aspect of your club in one place.

How does this benefit Club Automation users?

Clubs gain a single, connected experience for managing finances and insurance. Fewer vendors to juggle. Streamlined billing and coverage management. Potential cost savings through consolidation and improved financial visibility.

How does Daxko benefit?

By expanding into financial services, including insurance, payments, and billing, Daxko deepens its role as an operational partner for clubs, creating a unified ecosystem that saves time, reduces risk, and drives better financial outcomes.

Who is eligible?

U.S.-based clubs (excluding Alaska, Hawaii, facilities with pools, or licensed daycare centers).