Gyms are epicenters of physical activity, and with physical activity comes risk of personal injury. Whenever a person is lifting weights or working on cardio, they could potentially be injured -- and they may try to hold the gym responsible for their injury. Gym insurance, or fitness club insurance, helps protect gyms in Massachusetts from liability claims over members’ injuries and several other risks.
Fitness club insurance is a package insurance policy that’s uniquely designed for gyms and fitness clubs. As a package policy, a gym policy usually contains several individual policies that work together to protect gyms from a host of potential risks.
Most Massachusetts gyms and fitness centers, regardless of what activities they offer and what demographic they cater to, should have fitness club insurance. A small gym in Springfield, MA that only has weights and elliptical machines, and a major fitness center in Boston, MA that has several floors of rooms and equipment both need insurance because they’re both exposed to risks.
Thousands of people, including both young and elderly individuals, go to the emergency room each day for sports, recreational, and exercise injuries. There’s a good chance that a member or visitor will eventually suffer an injury requiring treatment, and ask the gym to pay for the treatment. Without adequate insurance coverage, a gym or fitness center could have a large bill to pay.
In addition to all-purpose gyms and fitness clubs, boxing, kickboxing and wrestling gyms, martial arts studios, and facilities that sponsor tournaments in these sports may also want a gym policy.
Fitness club insurance policies generally provide several property and liability coverages. Property coverages help protect things that a gym or fitness club owns, while liability coverages help insure a gym or club against claims that accuse it of being responsible for injury or property damage.
Some of the property coverages that gym policies provide include:
Liability coverages that might be available through a gym policy include:
The exact protections that a gym policy provides will depend on the coverages it includes, and the terms and conditions of those coverages.
Gyms and fitness centers often need other insurance policies, such as cyber liability, workers compensation, and business interruption insurance. Sometimes these other policies are provided in a gym package policy, but they may also be obtained as stand-alone policies.
Because there are many different risks and coverages to consider when looking for gym insurance, gyms and fitness centers should work closely with an independent insurance agent when they’re getting quotes for policies. An independent agent will be able to get customized quotes from insurers throughout Massachusetts and help a gym compare each policy’s coverages.