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.
| 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 |
