Gym Insurance from Massachusetts Specialists

What is Gym Insurance?

Operating a gym or fitness center comes with a significant amount of risk exposure, and that exposure includes both liability and property risks. Gym insurance policies help protect gyms located in Massachusetts from many of the various risks that they face.

Gym insurance is a specialized type of commercial insurance that’s uniquely tailored to meet most of the insurance needs that gyms have. In order to meet multiple needs, most policies are package policies that combine several insurance coverages together. Gyms can often choose from standard and available coverages to get a policy that suits their particular situation.

What Businesses in Massachusetts Should Consider Fitness Club Insurance?

Fitness club insurance often makes sense for fitness-focused businesses that offer members a palace to exercise. Some specific Massachusetts businesses that might want this type of insurance include:

  • Gyms
  • Fitness centers
  • Health clubs
  • Workout centers
  • Sports complexes

There may be some other businesses in the exercise industry that also could benefit from having a fitness club policy.

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Gym Insurance Massachusetts

What Coverages Does Fitness Club Insurance Come With?

Precisely what coverages are included in a fitness club insurance policy can vary, but there are several common ones that most policies at least make available as optional protections (if the coverages aren’t standard protections). Many of these common coverages are either liability protections or property protections.

Liability protections normally protect a gym against claims and lawsuits that could arise if the gym is responsible for property damage, personal injury or some other form of harm that affects another party. Some of the more common liability protections that these policies typically offer are:

  • General Liability Coverage, which may cover basic accidents that occur on a gym’s premises and defamation lawsuits filed against a gym
  • Professional Liability Coverage, which may cover mistakes and other errors that class instructors and personal trainers make while working for a gym
  • Product Liability Coverage, which may cover harm that’s caused by products a gym sells to its members
  • Participant Liability Coverage, which may cover injuries that are sustained by members while exercising or taking classes
  • Spectator Liability Coverage, which may cover injuries that bystanders sustain when near or observing activities
  • Cyber Liability Coverage, which may cover data leaks and breaches of sensitive member information
  • Umbrella Liability Coverage, which may provide a secondary level of liability protection for large claims

Property protections normally protect the physical assets that a gym has. These protections usually offer coverage against theft, fire, storms and similar perils (depending on the coverages’ terms). Some of the more common property protections that fitness club policies make available include:

  • Building Coverage, which may protect a building that a gym owns
  • Contents Coverage, which may protect supplies and equipment that a gym owns
  • Equipment Breakdown Coverage, which may protect essential equipment if it breaks down
  • Business Income Coverage, which may cover revenue losses if a gym can’t open because of a disaster

All of these coverages come with their own terms and conditions that stipulate exactly what protections are provided. An insurance agent who specializes in fitness club insurance can explain coverages in more detail.

Gym Insurance Massachusetts

Do Gym Policies Cover Contact Sports and High-Risk Activities?

Gym policies may or may not provide coverage for contact sports and high-risk activities. Gyms and fitness clubs that need coverage for these sports and activities should work closely with a knowledgeable agent to find an insurance policy that will cover the various activities that members participate in.

How Can Massachusetts Gyms Get Gym Insurance?

If you need help insuring a gym that’s located in Massachusetts, contact the independent insurance agents at The Feingold Companies. Our agents can show you policy options from several different insurance companies, and they have the expertise necessary to help you select a gym insurance policy that provides the coverages your particular facility needs.

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The Feingold Companies

Worcester Office
446 Main Street, Suite 1403
Worcester, MA 01608
Phone: (508) 831-9500
Fax: (508) 797-4030

New Lakeside & Dudley Insurance
446 Main Street, Suite 1403,
Worcester, MA 01608
Phone: (508) 943-0090

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