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Types of risk faced by Gym and Health Club

Client-related lawsuits

Negligent acts performed by gym staff may result in injury or damage to clients. This can result in a professional indemnity claim against the gym. Error and omission claims risk is high for professional trainers.

Property Damage

Any damage to a buiding or its contents due to fire, flood and other special perils can be a serious threat for the gym or health club business. There is a high risk of accidents resulting in loss to the assets and gym equipement.

Third Party Liability

Gym and health clubs deal with people every day which increases the risk of bodily or non-bodily injuries or accidents occurring to third parties within the gym premises. Third party liability is a major risk for gym owners.


Employee-related lawsuits

Gym staff or employees can sue gym owners against workplace injuries or sexual harassment. The risk of employee-related lawsuits is increasing rapidly and causes a series threat for gym and health club owners.

Cover relevant for gym and health club

General Liability

  • Gym liability insurance covers general liability for bodily injury and damage to personal property of a third party due to your business operation, equipment or machinery breakdowns.
  • Gym liability policy will also cover you against claims by clients if they get injured on your premises.
  • This policy protects your reputation, credibility and financial standing.

Professional Liability

  • Gym and fitness center insurance defends and pays on behalf of the fitness professional or trainer for claims alleging an error or negligence in the performance of professional duties.
  • Cover your dieticians, athletic trainers, or physical therapists in fitness center insurance against such claims.
  • Cover litigation expenses and compensation settlement cost when sued for negligence.

Additional coverage

  • Protect yourself against special liability exposures such as litigation related to swimming pools, hot tubs and saunas, rock climbing walls, day spa services, tanning services, massage and skin care services.
  • Property insurance coverage provides protection to your gym building and its content.
  • Employer's liability insurance and equipment breakdown coverage can be availed as an add-on cover.

Frequently Asked Questions

The insurance coverage under a gym and fitness studio insurance policy are third party liability such as bodily injury and property damage, professional indemnity insurance for your employees such as dieticians and personal fitness trainer, employer's liability insurance and gym property insurance coverage. This policy can safeguard your business and employees from liability claims and business loss.
Yes, gym and health club insurance defends and pays on behalf of the fitness professional or trainer for claims alleging an error or negligence in the performance of professional duties. However, willful negligence is excluded from gym liability insurance. One should always consider going through the list of exclusions, provided in the terms of policy.
Besides regular cover in your fitness centre insurance, you can protect yourself against litigation related to swimming pools, hot tubs and saunas, rock climbing walls, day spa services, tanning services, massage and skin care services. As gym and health clubs provide various other services, these add-on covers can help in getting a complete protection for your business.
There are certain exclusions under gym insurance policy such as malicious acts, terrorism, molestation, deliberate intentional damages or misconduct etc. Any modification cost of machinery and equipments are also excluded. There is a list of exclusions in the comprehensive gym policy, one should always read that list thoroughly. Any incorrect information provided by you may also result in claim denial.

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