Health Club Insurance

Do You Need Health Club Insurance for Your Facility?

All fitness facilities need health club insurance—it goes without saying. However, when it comes to choosing the best policy, what must you look for to protect your clients and business without purchasing more than you need?

The basic elements to explore with your health club insurance broker include:

• Insurance requirements within your lease agreement: industry standard is $1,000,000 per occurrence with a $2,000,000 policy aggregate, however some landlords require higher limits
• Property insurance basic coverage: explore protection for contents, tenant improvements, loss of business income and building coverage
• Workers’ compensation: nearly every state mandates that all health clubs carry workers’ compensation coverage to protect your business in case an employee is injured. Additionally, inquire about gym liability insurance pertaining to independent contractors who may be working at your club
• Bonding: while bonding is not considered to be an insurance policy, most states require that health clubs are bonded if payment is collected prior to service
• Employment practices: while this type of coverage may be considered to be an elective, it covers sexual harassment, discrimination or wrongful termination that is not covered in the general policy

Call Sports and Fitness Insurance Corporation at 800-844-0536 or download an online application for health club insurance coverage.

Health Club Insurance Supplemental Coverage

In addition to general liability and property coverage, owners should consider supplemental aspects of health club insurance, especially if they offer ancillary health and beauty services. Specific supplemental liability insurance for a gym includes:

• Day Spa: coverage for treatments involving facials, massages and therapeutic scrubs
• MediSpa: protection for services such as laser hair removal, chemical peels and Botox injections
• Tanning: coverage for both spray tan and tanning bed liabilities
• Martial Arts: additional client and employee protection for those performing contact sports, boxing, wrestling, grappling and sparring
• Swimming Pool: protection against drowning or injury around or in your health club’s swimming pool
• Rock Climbing Wall: specialized coverage to protect clients, employees and your business against falls or other mishaps during a climb or descent

Comprehensive coverage is vital to protecting your clients, employees and your livelihood. We have over 35 years of combined experience working in the sports and health industry and have the background to create a customized health club insurance policy to meet your needs.

To learn more about health club insurance coverage call Sports and Fitness Insurance Corporation today at 800-844-0536.