FITNESS STUDIO INSURANCE
Fitness professionals may not think of their fitness small businesses as being vulnerable to malpractice lawsuits, but because even routine exercises and common techniques can cause harm, every client is a potential lawsuit. World Events understands that the risks you face are unique to fitness businesses, and that’s why we offer customized fitness insurance to members of many fitness professions, including, (but not limited to):
Small Fitness Club/Gym Owners
Pilates/Yoga Studio Owners
Zumba Instructor/Studio Owners
What Kind of Liability Insurance is best for you?
The coverage that is best for you depends on the details of your business. Many World Events customers optimize their studio insurance by choosing both professional liability insurance and general liability insurance policies. To assure that you get the best coverage for your business, see the examples below.
Professional Liability Insurance
Sometimes called errors and omissions insurance (E&O insurance), is personal trainer insurance coverage for claims against businesses that provide professional and personal services – for businesses like yours. When is it important to have professional liability insurance for personal trainers? Examples include:
Negligence: After twice weekly workouts for over a year, a client has met their personal training goal to lose ten inches from their waist and incorporate a healthy diet into their lifestyle. The client brings a claim against you alleging that you did not personally train him properly, because he was unable to complete a marathon in which his friends and family had traveled to watch him run. Even if this is a groundless claim, your professional liability insurance will defend and indemnify you, up to your policy limits.
Over Exertion: A personal trainer instructs an older client to perform a specific exercise that requires substantial physical exertion. After completing the circuit that includes this exercise, the client is overcome with dizziness, experiences chest pain, and has to be rushed to the hospital. Even though the client had an existing heart condition, he claims that the trainer’s exercise circuit caused his heart attack, as well as mental anguish, and sues for damages.
You need to know that you can be sued for negligently performing services even if you haven't made a mistake. Professional liability insurance is designed to protect you in these instances.
Forms & Apps
2010 - present
2010 - present
General Liability Insurance
Sometimes called commercial general liability (CGL) is personal trainer insurance that protects your business from another person or business's claims of bodily injury, associated medical costs and damage to property. Having this kind of coverage is beneficial in several instances:
Bodily injury: While waiting to begin a personal training session, a client accidentally trips over another customer’s gym bag. She falls and injures herself.. While it was a simple accident, she blames the personal trainer for not keeping the area clear and files a lawsuit. Your policy will cover a subsequent covered claim and related medical expenses up to your general liability policy's limits of liability.
Damage to client property: A personal trainer is working with a client who puts their gym bag on the floor. Another customer nearby using a free weight puts it down, and it accidentally rolls onto the gym bag of the client. Because the bag contained cell phones and tablets, the client filed a legal claim for reimbursement. General liability insurance protects against claims for your client’s property damage.
In these scenarios and so many more, a general liability insurance policy will protect you from third-party claims, providing legal representation and advice that you’d likely be lost without.
How to Apply?
We offer two programs for insurance for Fitness Studios. Read below to determine if one policy might be better for you than the other.
If either of these characteristics describe what you need, apply for Program A.
Standard policy offering $1M per-occurrence $2M Aggregate with Higher Aggregate available.
$100K Accident & Medical
Optional Coverages Available: Equipment, Excess Liability, Increased Aggregate Limits, Abuse & Molestation.
Starting at $465.00 (Premium Financing Available)
If you would like a more detailed policy, apply for Program B.
You need a higher per-occurrence limit than the $1M that Program A offers. Check your lease agreement to see if they specify a per-occurrence requirement.
Policy comes standard with $5M Aggregate limits
Legal Liability to participants in the amount of per-occurrence limit.
Professional Liability in the amount of per-occurrence limit.
Optional Coverages Available: Equipment, Excess Liability, Indepedend Conctractors & Abuse & Molestation
Starting at $515.00 (Premium 100% fully earned)
Please note that a $25.00 administrative fee will be added to all policies.