Gym, Health & Fitness Facility Insurance
Insurance Services

Gym, Health & Fitness Facility Insurance

You have invested a great deal of energy and time into building your facility and reputation. Protect everything you have worked so hard to build with Fitness Club insurance policies that fit the many needs of your business.

The Hidden Risks of Owning a Gym

Have you ever considered the many ways that someone can be hurt in a fitness facility? What if, for example, a runner has a heart attack? This happened to a member of a gym in the United States years ago and, when the runner could not be resuscitated by staff and paramedics, the family sued the gym.

Gym Liability Insurance

Over 10,000 people in the United States are also treated in emergency rooms every day for injuries related to sports, recreation and exercise. More than 53,000 such injuries each year happen to active seniors.

Gym insurance is a unique combination of insurance coverages relevant to gyms, health centers and fitness centers. A customized insurance policy will protect your business from these risks and many more by covering many areas and activities of your facility, such as:

  • Jacuzzi and whirlpool
  • Suntan booths
  • Weightlifting
  • Swimming
  • Courts
  • Group exercise classes
  • Martial arts
Gym Insurance

What Gym Insurance Covers

A customized gym insurance policy will offer the coverage types and amounts that you need to protect your gym from many potential risks. The amount and type of coverage will depend on the size of your facility, the number of employees you have and the services you offer, among other factors.

A standard fitness insurance policy will have the following types of coverage options.

Business Owners Policy

Gym Liability Insurance

Your gym liability insurance [linkto: Liability Coverage} will offer cover you against many possible liability risks like:

  • General liability, which covers bodily injury and property damage your facility may be responsible for.
  • Professional liability will cover risks due to errors and omissions by staff. An example is exercise advice by a staff member that causes a client's injury.
  • Product liability, which covers your risks related to selling products such as nutritional supplements.
  • Employees’ practices liability insurance protects the gym if the facility is accused of poor practices, discrimination or sexual harassment.
Health Club Insurance

Gym Property Insurance

While this may be a stand-alone policy, it is usually a rider or endorsement on another business insurance policy to cover equipment breakdown.

Workers Compensation

Workers Compensation policy covers work-related illnesses and injuries your employees may experience on the job while also covering some lost wages.

Specialized Gym Insurance

Does your facility focus on a contact sport like martial arts or boxing? Facilities that offer a venue and training for high impact sports face special risks, and you will need specialized boxing gym insurance or combative sports insurance to protect you against liability.

Request a Gym Insurance Quote

Does your fitness center have the coverage it needs? Are you betting against the financial security and future of your business? Contact Pipeline Insurance Services today to get a free quote for fitness center insurance to make sure your business has the coverage it needs to protect you against unforeseeable situations.

Get Free Quote Today!