Liability Insurance for Fitness Clubs such as Gyms, Studios, and More!

Understanding Insurance as a Fitness Club Owner

If you are planning on opening a fitness club in the Ontario area, you are going to need fitness club insurance. While E&O also referred to as fitness club professional liability insurance for your employees and trainers can protect you in a variety of different situations, it is best to couple the policy with general commercial liability insurance as well. Combining these two policies will ensure that you and your business are completely protected for a variety of different risks that you will face on a daily basis. Owning a fitness club can be rewarding, as you get to help individual achieve their goals on a daily basis, but there are a lot of risks associated with it.

What happens if a trainer gives one of your client’s misinformation that leads to a major injury? That client is probably going to come seek you out for medical expenses. This will without a doubt be extremely expensive, but with the assistance of PLI also known as E & O fitness club insurance you will be covered in these exact situations. General commercial liability insurance on the other hand will protect you in the event that someone gets injured on your premises, which is a major threat when you are dealing with a lot of complex and heavy equipment.


fitness club insurance coverage


Do You Need Any Other Policies? Yes

At the end of the day, PLI fitness club insurance is great, but it just doesn’t cover all the risks that you are going to face on a daily basis. While there are many risks present, there are just as many policies available to cover you and your employees. Just remember that working with a highly trained professional will make the whole process easier, as they can guide you through the process and lay out your specific insurance needs. However, below you will find some other policies that you should consider investing in as a fitness club owner.


Commercial Property Insurance

Fires, floods, and other natural disasters can happen at the drop of a hat. When this usually happens, they do tremendous amounts of damage and that is why it is imperative for any fitness club owner to acquire the right amount of commercial property insurance. Not only will this policy cover the physical building, but it could cover any damages that done to your assets inside as well, including your exercise equipment and computer systems.

Commercial Property Insurance Recommended Limits – $1,000,000 Per Claim / 2,000,000 Aggregate


Workers Compensation Insurance

As a fitness club owner you are going to be employing a variety of different trainers. These trainers will be helping individual life weight and assisting them get into weird positions. With the physical endurance required to be a personal trainer, it is highly likely to assume that one might get physically injured on the job. Workers compensation can protect you in these exact situations. Not only will it cover your employee’s lost wages and medical bills, but also it could cover your court costs in the event that they try to sue you.

Workers Compensation Insurance Recommended Limits – $500,000 Per Claim / $1,000,000 Aggregate


Equipment Breakdown Insurance

If you are a busy gym your equipment it going to be in use all the time. Treadmills, weight machines, and air conditioning equipment can take a lot of abuse over the years. If these items breakdown it is going to cause customers to go elsewhere. Even if you sell food and your refrigerator breaks down this is going to result in a huge financial loss. However, this is where equipment breakdown insurance can come in handy. It will cover any losses that your experience due to equipment breakdowns.

Equipment Breakdown Insurance Recommended Limits – $100,000 Per Claim / $500,000 Aggregate


Exploring The Costs Of Insurance

Sure, business insurance costs are going to vary from company to company, just like it varies from individual to individual. However, it doesn’t hurt to have some basic ideal of what you can be expected to pay and that is what you are going to learn below.

  • Commercial General Property Insurance – $1,000 a year
  • Workers Compensation Insurance – $1 to $2 a per $100 employee payroll
  • Equipment Breakdown Insurance – $50 to $100 a year

Our company makes getting a free business insurance quote for your specific needs extremely easy. All you have to do is visit our website and enter in your information or call the toll-free number and speak with a qualified broker.




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Other professions we also provide insurance for:

Academic Testing Centres
Accident Investigation
Accident Prevention Consultants
Adoption Agencies
Advertising Agencies
Advertising Agents & Services
Aerial Mappers
Alarm Monitoring Services
Allied Health Professionals
Alternative Dispute Resolution Firms
Alternative Energy
Answering Services
Arbitrators & Mediators
Arborists / Tree Surgeons
Architects & Engineers
Architectural technicians and technologists
Auctioneers, Auction Houses
Blueprint & Photocopy
Boat Registrars
Building Designers(Bill 124)
Business Brokers/Managers
Business Consultant
Business Enterprise Agencies
Business Training Courses
Cabling Designers
Camera & Photo Supply Stores
Careers Advisory Service
Catering Consultancy
Cereal Growing Advisors
Chambers of Commerce & Trade
Civil engineers
Claims Adjusters & Administrators
Collection Agencies
Commercial Printer
Communication Consultants
Company Formation
Company Search Agency
Conference & Event Management
Conference Facilities & Services
Conservation Consultants
Conservation Organizations
Consumer Organisations
Contest Managers
Contractors Accountants
Convention Planners
Counselling & Advice Services
Court Reporters
Credit Reference Services/Bureaus
Custom House Broker
Customs & Forwarding Agents
Data Processing Services
Database Managers
Day Spas
Decorators – Interior
Dental Laboratories
Dieticians (Consulting)
Directors and Officers
Documentary creators
Employment Agencies
Employment Agencies/Recruiters
Employment Placement Agencies
Energy Audits & Assessments
Environmental Engineers
Event Planners
Excess & Umbrella Liability
Fitness Clubs
Foreign Legal Consultants
Holistic Professional
Home inspectors insurance
Immigration Consultants
Independent Contractor
Industrial Designers
Information Technology
Interior Designers
IT Contractor
IT Specialist/Technician/Programmer
Lawyer’s Excess Professional Liability
Long Term Care
Management Consultants
Medical Clinics
Medical Devices
Medical Professionals (Malpractice Insurance)
Medical Related
Medical Student Malpractice Insurance
Mortgage Brokers
Multimedia designers
New Media
Occupational Health and Safety Consultants
Placement Agencies
Private Investigators
Process Servers
Product Designers
Professional Entertainers
Professional Organizer
Professionals Liability
Project Managers
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Publishers and Printers
Quality Control Consultants
Recruitment and Employment Agency
Recruitment Consultants
Research & Development
Roofing Consultants
Safety Engineers
Service Organizations
Solar & Wind Farm Engineers & Consultants
Spa Package
Structural Engineers
Tax Prepares
Technology Companies
Therapist Professionals
Town / Urban Planners
Training Providers/Trainers
Translators etc.
Travel Agencies
Travel Agents
Travel Agents, Tour operators
Web Designers
Web-Site Designers
Workplace Engineers & Consultants