Fitness Studio Insurance provided by Browne Insurance Services

A fire at your Gym/Fitness Studio or a lawsuit from a weight-lifting injury could devastate your small business. Insurance for gyms can cover property damage, client injuries, professional oversights, and more.
What Is Gym / Fitness Studio Insurance?

Gym insurance is a combination of several policies, such as general liability, property coverage, and workers’ compensation. Sometimes gym owners have to get certain policies to fulfill contractual obligations, but even if that’s not the case, gym insurance is a good idea. Without it, lawsuits and other hazards can drain the business’ bank account.

Who Needs Gym Insurance?

Gyms come in many forms these days, and gym insurance is usually appropriate for nearly all of them, including:

  • Boutique membership clubs
  • Health clubs
  • Fitness centers
  • Pilates, yoga, and spin studios
  • Franchise operations
  • 24/7 key access clubs

Every business faces the possibility of a claim, but the physical nature of the operations and the equipment required can make a gym more prone to risk. When it comes to sports and recreational injuries, exercise and exercise equipment sent 468,315 people to the emergency room in 2019, according to the National Security Council Injury Facts.

Not all of these injuries occurred in someone’s gym, but at the same time, an emergency room visit isn’t the only way a gym owner can end up in court. Ultimately, every gym and fitness center owner needs business insurance to protect their assets.

Gym & Fitness Center Insurance Policies
Policy
What It Covers
General Liability
Nonemployees’ claims over property damage, bodily harm, and advertising injury
Commercial Property
The cost of repairing or replacing business-owned property
Workers’ Compensation
Injured employees’ lost wages and medical bills
Professional Liability
Legal costs in allegations of negligence
Medical Payments
Medical bills for an injured participant

Every Gym owner needs to get policies that cover their risks, including both supervised and unsupervised workouts with various machines and equipment. Gyms have more risk than a trip-and-fall where clients may get injured in an exercise or even suffer cardiac arrest on the bike’s pedals! Don’t go bankrupt because you were confused about your insurance coverage.

Contact us today to find the right coverage for your Gym and Fitness center.

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As an independent agency, Browne Insurance Services
Helps you find the right Fitness Studio Insurance Coverage
Contact Us
Palm Springs, CA
190 W Amado Rd Palm Springs, CA 92262
We extend coverage to individuals and businesses in Campbell, Palm Desert, Palm Springs, Pollock Pines, and Santa Clara areas.

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  • General Liability
  • Commercial Property
  • Professional Liability
  • Worker’s Compensation

General Liability Coverage

Risk Factors

If one of your customers slips on the treadmill and suffers an injury, you will have to pay for the medical expenses and you might also face a lawsuit.

Solution

Your general liability policy would cover the medical expenses and also cover legal expenses for the lawsuit.

Commercial Property Insurance Coverage

Risk Factors

A fire breaks out in your gym and destroys much of your equipments and machines. 

Solution

Your commercial property insurance would help you cover the loss.

Professional Liability Coverage

Risk Factors

If any of your customers sue you and your gym for negligence, you will have to pay for legal fees for the lawsuit

Solution

Your coverage will help cover all related legal fees. Commercial Auto policy would cover any expense for the medical care of the other driver and repair his property

Worker’s Compensation Coverage
Risk Factors

While carrying a heavy gym equipment,  your employee suffers an injury. He needs medical care and cannot work until he recovers.

Solution

Workers’ compensation would pay for his medical bills and a portion of lost income while he recovers and is unable to work. 

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