Liability Insurance and Commercial Exercise Needs

Commercial General Liability coverage protects the insured against liability claims for bodily injury and property damage arising out of the premises, operations, products and completed operations, and personal and advertising injury.

Gyms, fitness centers, outdoor recreation centers, and health clubs all focus on keeping people strong and healthy. If you run a workout facility, you know that sometimes things can go wrong. Someone gets injured while using the equipment, or pulls a hamstring while working with a trainer. Or a child gets hurt in the childcare facility.

Avoid Claims and Lawsuits From Day One

Incidents can leave you wide open to liability claims and lawsuits, but a gym insurance policy can protect you and your facility.

Additional insurance coverage to consider:

  • Participant liability and accidental medical coverage: Covers you if boxers or martial arts participants are injured in sponsored tournaments or supervised competitions
    • Accidental medical insurance provides medical care for the injured participant. The policy may also cover travel to and from competitions or events.
  • Supplemental liability insurance: You need additional supplemental liability coverage if your gym, fitness center, or health club offers services like tanning beds or rock climbing walls.Here are some special liability exposures to protect against:
  • Swimming pools
  • Hot tubs and saunas
  • Rock climbing walls
  • Day spa services
  • Tanning services
  • Massages
  • Skin care services
  • Umbrella liability: This type of policy provides excess liability coverage in the event of a catastrophic event that results in a large liability lawsuit. It kicks in when your other liability policies are exhausted. Business umbrella policies, sold in increments of $1 million of additional coverage, can provide excellent protection against large legal claims at an affordable rate.

Regardless of the type of fitness club or unique home gym equipment you have, liability insurance can save millions in Litigations and payouts. You require coverage that specifically matches your unique risks. An independent agent who specializes in business insurance can help to assess your risks and get the right coverage plan in place.