Gym Liability Insurance

As a gym owner, you deserve to feel good about how you’re helping people reach their fitness goals. But you should also be aware of the possibility that some people will hurt themselves at your gym, at which point you might be held responsible. That’s where gym liability insurance comes in.

General Liability

Property Coverage

Auto Insurance

Workers Compensation

Every year, more than 50,000 people have to get emergency medical treatment when they get injured at the gym, often by falling off treadmills, dropping weights on their feet, tripping over equipment, and more (Source: U.S. Consumer Product Safety Commission). If you want to protect yourself, your staff, and your customers, you need gym liability insurance.

Liability Insurance Will Cover These Expenses

General liability (GL) is responsible for a lot of types of expenses that businesses might encounter, such as:

Legal fees, including the cost of getting an attorney, acquiring legal documents, and paying for any witness expenses
Settlements that you’ll have to pay if you lose the lawsuit against your gym
Time that you are required to spend in court or otherwise working on your legal case, instead of working in your gym
The cost of the bond you might be required to get

Who Is Covered?

No matter how large your gym staff is, everyone who works for you will be covered by your gym liability insurance policy. This includes all of your staff members, such as front desk workers, personal trainers, and maintenance workers. Your gym liability insurance coverage even extends to gym directors, stockholders, partners, and anyone else who completes work for your gym in any capacity.

Common General Liability Coverages

Bodily Injury: One of the most important reasons to have gym liability insurance is its bodily injury coverage. This is the part that will pay for the medical costs of anyone who is injured on your property. This could be gym members or it could be someone who merely took a wrong turn, ended up on your property, and got hurt. Bodily injury also covers loss of services when applicable.

Property Damage: If someone’s presence at your gym results in their personal belongings being damaged or stolen, the property damage portion of your gym liability insurance policy will pay for the necessary repairs or complete replacement.

Products and Completed Ops: Some workout injuries do not show up until the person has left the gym. When this occurs, and it’s clear that the person received the injury while at your gym, this part of your coverage will pay for the medical bills associated with the injury.

Medical Payments: Some injuries are too minor to result in a lawsuit, but they still need to be treated, and those treatments need to be paid for by someone. When you have gym liability insurance, the medical payments clause will pay any costs related to such injuries.

Personal and Advertising Injury: There could be a time when a competitor claims you have committed libel, slander, or copyright infringement. At that point, you will have to defend yourself, which can be costly, unless you have gym liability insurance to cover your legal costs.

Damage to Premises Rented to You: When you rent a building for your gym and it is damaged in any way, this part of your gym liability insurance will cover repairs.

If you need gym liability insurance, please contact USA Business Insurance to find out what your options are.