Call Us 505-247-0444 ☰ ˟
Logo
Español
Call Us 505-247-0444
  • Main Menu
    • Home Page
    • Make a Payment
    • Refer a Friend
    • Join Our Newsletter
    • Important Links
    • Insurance Glossary
    • View our Blog
    • Our Locations
    • Employee Directory
    • Contact Us
    • About Us
    • Privacy Policy
    • Life
  • Automobile
    • Automobile Insurance Home
    • Auto Insurance Quote
    • Auto Repair Insurance
    • Request ID Card for Auto Policy
  • Homeowners
    • Homeowners Insurance Home
    • Homeowners Insurance Quote
    • Manufactured Home Quote
    • Property Loss Claim Form
    • Request Evidence of Insurance
  • Business & Commercial
    • Business & Commercial Insurance Home
    • Commercial Auto Insurance Quote
    • Request ID Card for Commercial Auto Policy
    • Add Vehicle to Existing Commercial Auto Policy
    • General Liability Quote Form
    • Request General Liability Certificate of Insurance
    • Gym & Fitness Center Insurance
    • Business Owners (BOP) Quote Form
    • Builders Risk
    • Workers Compensation
    • Workers Compensation Quote
  • Bonds
    • Bonds Home
    • Bond Request Form
  • Farm
    • Farm Insurance Home
    • Farm Quote Request
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Bonds Icon

Bonds

We browse through a wide variety of coverages and find the right one for you.

Learn More
EMployer Benefits Icon

Employer Benefits

We browse through a wide variety of coverages and find the right one for you.

Learn More

Gym, Fitness Studio and Health Club Insurance


Fitness centers are popular destinations for those looking to get in shape, manage their stress, or take charge of their overall health. Owners and operators of gyms, fitness studios, health clubs or similar facilities are passionate about helping their members better their health. To best serve their members or clients, owners of fitness centers need to address the unique risks associated with their business and consider gym insurance.

Think of gym insurance as a tailored combination of business insurance and liability insurance. As a gym owner, choosing the right liability insurance is crucial, as it can protect against costly claims like a customer’s injury or a claim of negligence against your business, any of which can result in sky-high costs.

How Can Insurance Protect Your Fitness Center?
The condition of your gym, the trainers you hire, the types of equipment you provide and the fitness services available to your members can all contribute to your exposure to risks. What’s more, potential losses for your business extend well beyond broken exercise equipment or injury concerns and can even include damaging professional liability claims.

Even with regular inspections, safety protocols and qualified staff, workout-related accidents can and do happen. Here are some common fitness center risks and scenarios to think about:

• Exercise equipment—Your facility depends on functioning exercise equipment. When critical equipment breaks, fitness centers can experience business interruptions or even prolonged closures. Insurance could also cover equipment lost in a fire or damaged by water.
• Slips, trips and falls—Clients could easily trip over fitness equipment, bump into others during their workout or slip in the locker room or shower.
• Injuries or health issues—Clients may report problems ranging from a minor ankle sprain to a major heart attack during a workout in the facility. Some members could even claim that they caught the flu or coronavirus from contaminated equipment.
• Staff—Employees, such as dieticians, instructors or trainers, can be a source of serious professional liability. Any negligent act committed by your team could lead to claims against your business. Also, disgruntled clients could accuse staff of not providing the services they have paid for, such as losing weight.
• Crime—Because locker rooms are designed for privacy, the likelihood of assault, vandalism or theft is higher. In this day and age, thieves (including your employees) do not need direct access to cash to steal from you—sensitive information, facility tools and supplies are all fair game.
• Cybersecurity—As more fitness facilities move to online enrollment and class scheduling systems, cyber exposures will continue to increase. Fitness centers are a common target for cybercriminals as it’s likely your business processes a high volume of credit and debit card information from clients.
• Business closure—Some policies can cover your facility in the case of forced closure due to fire or water damage, or in today’s reality, a COVID-19 outbreak.

Berger Briggs Insurance can help you identify potential blind spots in your risk management and insurance to ensure your business and clients are fully protected when they walk in your doors.

Contact Us Today!
505-247-0444

Resources

icon icon logo logo, icon

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

4333 Pan American Frwy Ne, Suite A
Albuquerque, NM 87107

P: 505-247-0444 | Fx: 505-243-1505 | kturpen@bbirs.com
© Copyright. All rights reserved. | Powered by Insurance Website Builder