Gym & Fitness Insurance
Protect your business from unexpected risks with coverage designed to support the dynamic world of health and wellness.
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Slips, Trips and Falls
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Equipment-Related Injuries
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Professional Errors
Coverage Options for Your Business
General Liability Insurance
- Protects against claims of bodily injury or property damage caused by your business operations.
- Examples: A client slips on a wet floor or equipment damages someone’s property.
Professional Liability Insurance (Errors & Omissions)
- Covers claims arising from professional mistakes, negligence, or inadequate training advice.
- Examples: A client claims an injury due to improper exercise instruction or a workout plan.
Property Insurance
- Covers damage to your business property, including equipment, furniture, and the building (if owned).
- Examples: Fire, theft, or vandalism affecting your facility or gym equipment.
Business Interruption Insurance
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Reimburses lost income if your gym or studio is forced to close temporarily due to a covered event.
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Examples: Natural disasters, fire damage, or other disruptions.
Equipment Breakdown Coverage
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Covers repair or replacement of essential fitness equipment if it malfunctions or is damaged.
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Examples: Treadmills, weight machines, or HVAC systems breaking down unexpectedly.
Workers’ Compensation Insurance
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Required in most states for businesses with employees, this covers medical expenses and lost wages if an employee is injured on the job.
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Examples: An employee strains their back while lifting weights or slips while cleaning.
Cyber Liability Insurance
- Protects against data breaches and cyberattacks, especially for businesses storing client payment information or personal data.
- Examples: Hacked client records or compromised online booking systems.
Member Injury Insurance
- Specifically protects against claims from gym members who sustain injuries during workouts or while using the facility.
- Example: A client injures themselves on faulty equipment.
Tenant’s Legal Liability Insurance
- Covers damages to property you lease, such as the building your gym operates in.
- Example: A fire in your facility damages the landlord’s property.
What Businesses Use These Coverages?
Gyms and Fitness Centers
Specialized Fitness Studios
Personal Training Services
Martial Arts and Combat Sports
Outdoor and Adventure Activities
Wellness and Recovery Services
Recreational Sports Facilities
Specialized Wellness Programs
Aquatic Centers
Other Fitness-Related Businesses
Secure Your Future Today
Don’t wait until it’s too late. Contact MHP Group for a personalized consultation and discover how fiduciary insurance can protect you and your company.