There are several different types of fitness insurance designed to cover several different facets of a health club or fitness center. If you own or operate a fitness establishment it is important to find the most affordable insurance program that offers the most comprehensive coverage. There are a number of different types of liability insurance available to these commercial establishments depending on the services that are provided to the public. If you offer personal trainer services, group classes, or yoga and pilates sessions, there are specialty liability coverage options that will cover common risks associated with these fitness classes and services. Educate yourself on optional liability packages that can be purchased in addition to General Liability to guarantee you are fully protected against potential lawsuits.
Personal Trainer Insurance
Personal Trainer Liability coverage is available to protect personal trainers, athletic trainers, and sports conditioning professionals against liability claims that can arise from the services they offer in their profession. Because trainers are expected to work under a code of conduct, they are expected to offer accurate and beneficial tips on nutrition and workout programs. If any advice or session a trainer conducts causes bodily injury to a client it is necessary to cover not only general liability coverage, but also professional liability coverage and personal injury protection.
Group Fitness Insurance for Instructors
Group fitness instructors are also provided their own specialized fitness insurance policy. Because most instructors teach at multiple fitness clubs, the instructor will need to purchase a professional liability policy that will cover them when teaching in health clubs, homes, and youth facilities. Covering instructors against lawsuits that can arise from injuries or damages caused while instructing, professional liability insurance is essential in this profession. With additional endorsements available to cover accusations of sexual abuse and products liability, you can cover every potential risk you can imagine.
Yoga Insurance
Yoga instructors dedicate years to perfecting their craft. In order to ensure all of the effort is not taken away in the blink of an eye, yoga instructors must carry professional liability insurance that will pay for trip-and-fall or negligence claims wherever they are providing instruction. While basic coverage will cover standard negligence claims, like other forms of fitness insurance there are specialty coverage options to protect sexual abuse and products liability for yoga instructors.
Health club owners must also insure their interests in their business with their own form of general and professional liability insurance packages. All activities and services offered at your gym facility should be covered within your insurance portfolio. Do not leave yourself at risk for financially harmful claims and review your insurance packages whenever renovations or upgrades are made to your fitness center. Be sure your independent contractors and your business has the right insurance coverages for peace of mind.
