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Fitness Center General Liability Insurance

Fitness centers face a range of risks, from injuries on equipment to slip-and-fall accidents in the locker room. That’s where Fitness Center General Liability Insurance comes in. This policy helps cover third-party claims for bodily injury, property damage, and even medical expenses.

For example, if a member slips on a wet floor or a piece of equipment malfunctions, and your gym is held responsible, general liability insurance can cover legal fees and damages up to your policy limit.

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General Liability
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Property
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Workers Compensation

Is Fitness Center General Liability Insurance Required

Depending on where your fitness center is located, general liability insurance might be required. While not mandated in every state, some areas or cities may require this coverage to operate legally.

For example, states like California, New York, and Florida often have stricter regulations for fitness centers. Additionally, if you lease a commercial space, your landlord will likely require proof of insurance.

Even if it’s not legally required, having general liability insurance is a smart move to shield your business from costly legal issues.

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What’s Covered Under Fitness Center General Liability Insurance

A Fitness Center General Liability Insurance policy covers several common risks.

For instance, if a gym member trips over weights left on the floor and injures themselves, your policy would cover their medical expenses.

Another example? If someone accidentally damages a locker or other property while using your facility, the policy could help cover the costs. It also covers things like advertising injury, which means if your marketing unintentionally causes harm to a competitor, the insurance can step in to cover legal expenses. 

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What's Not Covered

There are some situations that general liability insurance won’t cover. Here are two examples:

  • Employee Injury: If one of your trainers gets injured while working, this policy won't cover their medical expenses. You'll need workers' compensation for that.
  • Professional Mistakes: If a client sues you for bad fitness advice that caused harm, general liability won't cover that. You’ll need professional liability insurance for those claims.

It’s important to understand what’s not covered, so you can secure additional coverage where needed.

Other Insurance Fitness Centers Typically Carry

Fitness centers usually carry more than just general liability insurance to stay fully protected. Common types include:

  • Equipment Coverage: Protects your gym equipment from damage or theft.
  • Surety Bond: A financial guarantee that your business will meet its contractual obligations.
  • Workers' Compensation: Covers medical bills and lost wages if employees get injured on the job.
  • Excess Liability: Provides additional coverage if a claim exceeds the limits of your primary liability policy.
  • Professional Liability: Protects against claims of negligence or inadequate service.

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Get Fitness Center Liability Insurance

At USA Insurance, located in Burbank, CA, we’ve been a trusted leader in commercial insurance for nearly 20 years. All our agents are USA-based and licensed in all 50 states, ensuring you're covered no matter where your business operates. We specialize in protecting small businesses, including fitness centers, and have a 99% customer satisfaction rate. Our deep knowledge of the commercial insurance landscape allows us to provide customized coverage that fits your unique needs. Whether you run a large gym or a small studio, we’ve got you covered with tailored solutions that protect what matters most to your business.

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