Search
Close this search box.

Fitness Center Insurance

How fit is your insurance policy?

Fitness center insurance for your business needs.

As a gym or fitness center owner, customer waivers are usually not enough to help protect you from potentially damaging financial risks. A specialty fitness center insurance policy can fill the gaps.

Coaches

Coaches have helped you your whole life, in ways big and small. We’d like to be one of them.

Unique coverage for a unique business.

As a fitness center, your business relies the most on your staff and equipment, while prioritizing the safety of your customers. This is where specialized fitness center insurance comes in, helping you protect the various risks your business faces on a regular basis.

When waivers alone simply aren’t enough.

While most gyms get customers to sign waivers, that’s often not enough to help protect you against lawsuits. And, even if such lawsuits fail, you may still face legal costs. That’s why you need specialty fitness center insurance to cover against the specific risks of a gym.

Real world examples of the risks fitness centers face.

For example, you could be held liable for injuries caused by inadequately maintained equipment. You might face professional liability claims if a customer suffers a health emergency or injury and blames the advice your staff gave. You could even be sued by customers over problems with the goods you sell, such as nutritional supplements.

 

INTERACTIVE GRAPHIC

Click it. Read it. Cover it.

The business side of fitness centers.

Of course, a good fitness center policy also covers standard business insurance like workers’ compensation, employment practice liability, and coverage for your buildings and equipment.

How to minimize risks on a daily basis.

Check with your insurer for any guidance they offer about minimizing risk; for example, posting adequate warning signs about hazards when using the equipment, or adequately training staff to deal with emergencies and minimize damage.

We can get the right policy for your fitness center. Contact us today to start the process.

Get Started Today

As an independent agency, we are here to help you find the right Fitness Center Insurance coverage.

Fitness Center Insurance Quote Request

As an independent agency, we are here to help you find the right coverage.

Name(Required)
What type of insurance are you interested in?(Required)
Accepted file types: jpg, png, pdf, doc, Max. file size: 256 MB.
Terms(Required)
Insurance coverage cannot be bound or changed via submission of any online form/application provided on this site or otherwise. No binder, insurance policy, change, addition, and/or deletion to insurance coverage goes into effect unless and until confirmed directly by a licensed agent.

Get a Quote

It only takes a minute to get started.

Would you rather discuss this in person? Get in touch with an agent today!

Employment Practices Liability Insurance (EPLI)

Risk Factor

On average, it’s estimated that three out of five businesses will be sued by their employees. While there is nothing you can do to prevent someone from filing a lawsuit, there is something you can do to limit the costs of defending a legal claim.

Solution

Obtain employment practices liability insurance to protect your business and its directors, officers, and employees from alleged employment-related acts such as wrongful termination, failure to promote, discrimination, and sexual harassment.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers’ compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.

Professional Liability

Risk Factor

All child care centers and schools are at risk for professional liability claims to be brought against them for negligence.

Solution

Professional liability protects your teachers and child care employees. If your staff is sued due to negligence in relation to a child’s safety or for making an error in judgement, your center can also be sued.

Business Income

Risk Factor

What would you do if an email virus impacted the operation of your database and prevented you from serving clients for a day or more? Or what if a hacker or cyber-criminal caused a system outage or extended downtime, leaving your business inoperable? These and other events can destroy your ability to serve clients and bring in revenue, which can have a major long-term impact on the viability of your business.

Solution

Business interruption insurance compensates you for lost income if your company cannot operate as normal due to disaster-related damage that is covered under your commercial property insurance policy, such as data breach or cyber-attack. Business income insurance covers the revenue you would have earned, based on your financial records, had the disaster not occurred. The policy also covers operating expenses, like electricity, that continue even though business activities have come to a temporary halt.

Workers' Compensation

Risk Factor

If one of your employees receives an injury or becomes ill due to a work-related occurrence, you are required by law to have the proper coverage in place.

Solution

Workers’ compensation protects your employees should a job-related injury or sickness occur during the course of employment. This coverage is required by law, so be sure that you understand your obligations.

Commercial Property

Risk Factor

Your business property is a significant financial investment. What if something happens to it?

Solution

Commercial property insurance can help protect the property your business owns or leases, including things like equipment, inventory, furniture, and fixtures. Whether you own your building or lease your workspace, commercial property insurance can be purchased separately or can be combined with other necessary coverage to protect your business’ physical assets.

Commercial Umbrella

Risk Factor

What happens when your business faces a large liability loss that exceeds the basic limit of your standard policy?

Solution

A commercial umbrella policy provides high limits of insurance, typically between $2,000,000 and $10,000,000. Coverage is extended over your general liability insurance, workers’ compensation, business auto, as well as directors and officers liability coverage. It provides a great safety net and helps ensure your business is well protected.