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Gym Insurance Massachusetts


What is Gym Insurance?

Fitness centers require significant investment to operate, and that investment is susceptible to potential risks that these businesses face. Gym insurance can help centers in Massachusetts protect themselves and the investments poured into them from many of the risks that they’re exposed to.

Gym insurance is a specialized commercial insurance that’s crafted to meet the needs of fitness centers and related businesses. So that policies can provide centers with robust protection, these policies normally come with multiple coverages that get packaged together.

Gym Insurance Massachusetts

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What Massachusetts Businesses Should Protect Themselves With Fitness Club Insurance?

Many fitness and sports businesses in Massachusetts can benefit from the protections that fitness club insurance affords. This insurance might be appropriate for:

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

Any business that’s unsure whether this is the right type of insurance for them should speak with an insurance agent who’s knowledgeable about these policies. A knowledgeable agent will be able to review a business’ operations and risk exposure, and make an informed policy recommendation accordingly.

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What Coverages Are Available Through Fitness Club Insurance Policies?

What coverages fitness club policies offer can vary, and businesses may choose different coverages depending on their particular needs. Nonetheless, there are many liability and property coverages that fitness clubs might look for.

Liability coverages tend to cover situations where a business could be held responsible for injury, property damage or other harm. Some of the liability coverages that fitness clubs can often get are:

  • General Liability Coverage, which might protect against common on-premise accidents that result in third-party injury or property damage
  • Professional Liability Coverage, which might protect against errors and other mistakes that employed personal trainers and class instructors make
  • Product Liability Coverage, which might protect against injuries and property damage that are caused by a club’s retail products
  • Participant Liability Coverage, which might protect against injuries that class participants, players or members sustain while engaged in official activities
  • Spectator Liability Coverage, which might protect against injuries that bystanders or passersby sustain while near official activities
  • Cyber Liability Coverage, which might protect against data breaches, website attacks and other online threats
  • Umbrella Liability Coverage, which might provide a secondary level of liability protection

Property coverages tend to cover assets that a business owns, potentially ranging from large buildings to small supplies. Some of the property coverages that fitness clubs can often purchase include:

  • Building Coverage, which normally protects primary and secondary structures that a business owns
  • Contents Coverage, which normally protects equipment, supplies and inventory that are kept on an insured premise
  • Equipment Breakdown Coverage, which normally protects essential equipment in case it malfunctions
  • Business Income Coverage, which normally protects against revenue losses that could follow a covered disaster

Gym Insurance Massachusetts

Do Fitness Club Policies Include Workers Compensation?

Workers compensation is a coverage that usually protects against workplace injuries and illnesses employees could suffer. If an employee is injured in a covered incident, workers compensation might provide payment for the employee’s medical treatment and lost wages. This is a protection that employers are often legally required to carry.

Some fitness club policies come with workers compensation, while others don’t provide this converge. When the coverage isn’t included within a policy’s protections, workers compensation can generally be purchased via a stand-alone policy.

Are High-Risk Activities Covered by Fitness Club Insurance?

Whether a particular fitness club insurance policy covers high-risk activities, such as contact sports or rock climbing, depends on the specifics of that particular policy. Clubs and centers that offer such activities should work closely with a knowledgeable agent to find a policy that does include coverage for the relevant high-risk activities.

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How Can Fitness Centers in Massachusetts Get Gym Insurance?

For assistance with insuring a fitness center or other business that’s located within Massachusetts, contact Garrity Insurance. Our independent insurance agents can help you explore gym insurance policy options from many insurance companies in the state, and we have the expertise necessary to help you determine which available policy best meets your center’s needs.

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