Insurance for Fitness Centers

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Coverage Plans for All Your Needs

BASIC

Essential coverages to meet client demands


General Liability (GL)

From
39
Month
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Includes:

  • Coverage against claims from bodily injury, property damage and personal injury
  • Coverage for products/completed operations

STANDARD

When you also have equipment or operate from a studio


General Liability + Property (bundle them with a BOP)

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All Basic plan benefits and:

  • Bodily injury
  • Damage to third party property
  • Business personal property
  • Personal injury
  • Lost business income
  • Equipment breakdown

PRO

Get protected against employment-related issues


Business Owners Policy (BOP) + Workers Compensation*

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All Standard plan benefits and:

  • Coverage for work-related accidents and disease and subsequent:
    • Ongoing medical care (such as rehab)
    • Missed wages during recovery

*plus Workers Compensation

CUSTOM

When you have specific requirements


Inclduing Business Interruption, Commercial Auto, etc.

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We've Got You Covered with Coverage You Need

Fitness centers can choose a number of insurance policies to protect their business. The two most critical are general liability and commercial property insurance. Some carriers offer a Business Owner’s Policy (BOP) that provides both. Fitness centers with personal trainers also need professional liability, and those selling products benefit from product liability.

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Frequently Asked Questions

Why do Fitness Centers need Insurance?

Professionals in this industry operate fitness and recreational sports facilities, such as aerobic dance or exercise centers, gymnasiums, ice or roller skating rinks, physical fitness centers; handball, racquetball, or tennis club facilities; and swimming or wave pools.

Fitness centers give community members a valuable tool every day, a way to look out for their health and wellbeing. Services offered may vary significantly, but your patrons are thankful for the opportunity. Just like you promote physical well-being to customers; it is also important that you look at the welfare of your fitness center. Insurance is a crucial component of your overall well-being. It protects your business reputation, financial assets, and your livelihood during claims and lawsuits.

What risks do Gyms face?

You may think that your guests or members would never file a lawsuit, but the truth is they happen every day. Take a look at the biggest risks you face:

  • Injuries or Fatalities: Even though you promote healthy lifestyles, you can’t control how hard guests push themselves. If a member has a heart attack or falls off the treadmill and breaks an arm, you can be held responsible for all expenses associated with it.
  • Bad Advice: Members often hire professional trainers for insight and advice. If one of your trainers offers advice that leads to injury or illness, the customer can sue your fitness center.
  • Food Poisoning: Many fitness centers offer juice bars or other concessions to their patrons. If the food you serve causes individuals to get sick, they can sue you for damages including medical expenses, lost revenue from being off of work, and pain and suffering.
  • Broken Equipment: Workout equipment in fitness centers is used hard all the time. Occasionally equipment may end up broken without your knowledge. If a weight bench falls while in use causing back injury, you will need to pay medical expenses for the injured party.
  • Defective Products: Some fitness centers sell products including apparel, equipment, and nutrition supplements. If any of these products damage the customer’s property or cause injury or illness, you are responsible for replacing it or paying additional costs.

Other potential claims include employee injuries, data breach, or even auto accidents if you have a business vehicle or employees run errands on behalf of the fitness center.

How much does Gym insurance cost?

Every insurance carrier has a unique view on fitness centers which impacts the cost of insurance. The majority need to look at your loss runs, experience, and safety measures to calculate insurance costs. Juice bars, professional trainers, and selling products will also impact the final costs. You can request a quote for your fitness center insurance below today.

What does Gym Insurance cover?

Gym Insurance offers a unique combination of insurance that gyms and fitness centers can highly benefit from. A typical gym insurance has General Liability, Product Liability and other liability insurance that protects your gym or fitness center from common lawsuits, injuries and property damage occurring in your type of business. It will also include medical coverage for participants when they are injured during your sponsored tournaments or competitions.

What risks do fitness centers face?

When you run a gym or fitness center, you know that your customers will be involved in intense physical activities. In fact, the intensity of most exercise can lead to sickness, injuries, and even death. Sometimes someone can get injured while using your equipment, receive a leg injury while working with a trainer, or even worse, get killed while doing an exercise. These incidents can leave you open to a lot of claims and lawsuits, and without a gym insurance, your business won't be able to survive for long.

What kind of insurance do you need to open a gym?

Normally, you would need General Liability, Professional Liability, Product Liability and other coverage for your gym. But now, the insurance you need is in one package, usually called Gym Insurance. This consists of several coverages including Professional, Product and General Liability, and other insurances to protect against common risks. It also has property coverage to help cover damage to your gym from fire, vandalism and severe weather. There is equipment coverage to cover the breakdown of your gym equipment and Workers' Compensation. With this insurance, everything is under one package, easy to manage with better coverage and more savings than purchasing each coverage.

What is Supplemental Gym Liability insurance?

Supplemental Gym Liability is the additional insurance you need to add on top of your Gym insurance in order to supplement the types of service you provide and the risks associated with it. You may need this gym insurance when your gym or fitness center offer services like rock climbing walls, hot tubs and saunas, tanning services, swimming pools, etc. The insurance will provide coverage from all the risks of having these services in your gym.

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