Fitness Center Insurance

You help your clients take control of their health and well-being by providing a safe and enjoyable workout experience. From gyms to health clubs that provide a variety of services and activities…
    • Circuit Workout Facilities
    • Exercise Studios
    • Childcare Centers
    • Massage Therapists
    • Personal Trainers
    • Fitness Instructors
    • Tanning Beds
    • Martial Arts Studios
    • Yoga Studios
    • Nutritional Counseling
    • Sporting Good Sales
    • Restaurant or Snack Bar
    • Sports Courts
    • Swimming Pools
fitness center insurance

We offer the insurance protection you need for unexpected situations that may cause property damage or injury to your participants. Our specially designed fitness center insurance program offers the protection you need:

    • General Liability
    • Professional Liability for instructors
    • Liability regarding injuries to participants
    • Property

Please phone or email Kevin Morency with any questions you have about tailoring an insurance policy that protects your organization.

It’s easy to get started on your quote.

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    • Complete the questions
    • Click “Submit” when you’re done.
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Fitness Center Insurance Program Highlights

General Liability – up to $1 million per occurrence / $3 million aggregate

    • Professional Liability for advising members on fitness or nutritional needs
    • Child Care Professional Liability for licensed and childcare operations
    • Medical Payments to child care students – included to $5,000 (higher limits available)
    • Membership Discrimination – included to $2,500 limits
    • Participant Legal Liability
    • Premises & Operation – available to policy limits
    • Products & Completed Operations – available to policy limits
    • Personal & Advertising Injury – available to policy limits
    • Fire Legal to $100,000
    • Employees and Volunteers as Automatic Insureds

Additional Coverages Available

    • Excess Sports Medical Payments – to $2,500 limits
    • Massage Therapists Professional Liability
    • Tanning Professional Liability – including long-term skin damage coverage
    • Abuse & Molestation Coverage
    • Building Owner as Additional Insured
    • Property
    • Inland Marine
    • Mobile Equipment
    • Valuable Papers and Records
    • Accounts Receivable
    • Personal computers, EDP equipment, data, media, and phones
    • Commercial Auto
    • Crime – Employee Dishonesty, Money and Securities, Forgery and Alteration
    • Umbrella limits up to $10,000,000
    • Special Events – fundraising, tournaments, races
    • Employee Benefits Liability – claims made to $1 million
    • Employment Practices Liability – claims made
    • Directors & Officers (not-for-profit)
    • Liquor Liability
    • Workers Compensation

Property Coverage May Include…

    • 4% inflation guard on buildings
    • Business Income – actual loss sustained (with extra expense and 0 hour waiting)
    • Utility service – direct damage, time element
    • Equipment Breakdown on building and contents
    • Agreed Value on buildings
    • Blanket Insurance
    • Water backup, sump pump overflow
    • Outdoor fences, signs
    • Replacement costs

Note: All coverages may not be available in all states.

Legal Liability with respect to Participants covers the organization if an injured participant sues despite having signed a waiver. This policy doesn’t defend the liability of one participant against another; only the insured’s liability as a result of injuries incurred by athletic participants.

Sports Participant Medical Payment covers the medical expenses of an injured participant to $5000 (higher limits available).