Insurance For Your Gym

Gyms and other sports related facilities have several exposures that need to be protected with Insurance. While every gym is different, many have similar Insurance needs.  We will teach you which coverages are imperative to protecting your business.

Insurance for your Gym – General Liability

General Liability is one of the most important coverages for any gym. Most gyms have countless exposures present, such as weightlifting injuries, cardio injuries, sickness,  wet floors, etc. The reality is, with most gyms, there are a lot of ways for customers to get injured. This makes it especially important to have a comprehensive General Liability policy for protecting your business against these types of claims.

Insurance for your Gym – Professional Liability

Many gym owners do not realize that they should be carrying a Professional Liability policy in addition to their General Liability. Professional Liability is designed to protect you against claims that arise from advise you give. This is an especially important coverage for those gyms that have personal trainers or offer other types of consultations or advice.

Insurance for your Gym – Additional Coverages

Most gyms also have employees, and this means that you are required to carry a Workers Comp policy for them. This also is true for Personal Trainers that are independent contractors. You should be carrying Workers Comp for these contractors as well or require them to carry their own Workers Comp. Another common, important coverages for gyms include Business Personal Property coverage for your equipment. This Business Personal Property can often be endorsed on to your General Liability policy.

If you would like to learn more about coverage for your Gym, let us know! You can reach our Business Insurance specialist at 925-297-4829.