Club Insurance – What Every Fitness Club Owner Should Know

There are many reasons why people start fitness clubs. Some do it in hopes of gaining more financially; others want to make fitness clubs more accessible in certain areas. Regardless of the motive, all fitness club owners will face the same dilemma. If one of their customers files a lawsuit, it could be the end of their business. Just think about some of the high-profile lawsuits featured in the news. Millions are at stake… funds that beginning fitness clubs simply do not have. Fortunately, there is a way that fitness club owners can protect themselves without actually acquiring this amount of money. It involves purchasing club insurance.


Club insurance is available for all types of fitness centers. Whether you are opening a small club from home or a commercial enterprise, there are policies that are specially designed for your situation. Of course, how these policies manifest themselves depends on the nature of the fitness center. Centers that offer training will need more extensive coverage than those with just equipment. And for those that have equipment, there should be coverage for theft or damage. In some cases, there should even be coverage for fitness advice, as some people take a trainer’s words out of context.

Speaking of trainers, a good club insurance policy should protect against their liability as well. This goes beyond faulty instruction, as some lawsuits arise because of conduct. If a trainer gets too physical with a student, they could view the interaction as sexual harassment. A “no contact” policy can help reduce such occurrences, but in some situations this may not be possible. This is especially the case with routines requiring clients to maintain a certain position. If their posture is incorrect, the trainer may have to help guide them into the proper position.

In terms of amount, most policies do have a cap on what they will cover. And the higher the cap, the more you will have to pay each month. There may also be additional limitations based on income. For instance, some plans are not available to health clubs making more than $500,000 each year. This forces them to consider the most expensive policies… those that may cost hundreds, even thousands each month. But for mom-and-pop health clubs, such a limit is fitting.

In conclusion, if you own a fitness club you need to get club insurance to secure your interests. By doing so, you will protect not only your company’s financial future, but you will also improve its integrity. Savvy customers research whether or not a club has insurance. If it does not, that speaks volumes about its credibility. Employees feel the same way, as club insurance protects their interests as well. You would not want to miss out hiring the next Julian Michaels because you failed to get decent insurance. So, do not wait any longer. If you have not yet gotten a club insurance policy, you need to call an insurance company today.

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