insurance for health and fitness centers

Insurance for health and Fitness Centers

Westwood will work with you to ensure your Health and fitness center has the best insurance coverage against every possible threat you could face.

why do health and fitness centers need insurance?

Health and fitness centers face various challenges that necessitate the need for malpractice or liability insurance. Your key areas of vulnerability include:

  1. Injuries to Clients: Injuries could range from slips and falls to more serious injuries related to equipment use or participation in fitness classes. Centers could be held liable if the injury is attributed to inadequate supervision, poorly maintained equipment, or unsafe premises.

  2. Professional Negligence: Trainers and instructors are expected to possess a certain level of expertise and to provide services that meet industry standards. Claims of professional negligence could arise if a client believes they were injured due to improper instruction, such as being advised to perform exercises that are unsafe for their fitness level or health conditions.

  3. Faulty Equipment: Malfunctioning or poorly maintained equipment that leads to injury could result in a lawsuit for failing to uphold safety standards.

  4. Nutritional and Health Advice: Incorrect or harmful advice that leads to adverse health outcomes could expose the center to legal action, especially if the advice is given by staff who are not properly qualified in nutrition or healthcare.

  5. Inadequate Emergency Response: Fitness centers must be prepared to respond to health emergencies, including cardiac events, injuries, or other medical crises. A lack of appropriate emergency response protocols or failure to provide timely assistance could result in claims of negligence.

  6. Breach of Contract: Members might sue for breach of contract if they feel that the center has failed to deliver the services promised at the time of membership agreement, such as access to certain equipment, classes, or facilities.

  7. Privacy Issues: With the increasing use of technology for tracking fitness progress, personal training sessions, and health assessments, fitness centers must safeguard clients’ personal information. Breaches of privacy or confidentiality can lead to lawsuits.

Malpractice or liability insurance provides financial protection against these and other risks, covering legal fees, settlements, and judgments. This insurance is essential for mitigating the financial impact of claims and ensuring the continued operation of the center. Westwood Insurance Group works with a number of different insurance carriers to source the most suitable coverage for your center at the best price. Get a quick quote today!

what types of insurance do health and fitness centers need?

General Liability Insurance

General Liability Insurance

General Liability covers medical expenses and attorney fees which result from bodily injuries and property damage that your facility or organization could be legally responsible for.

Professional Liability Insurance

Professional Liability Insurance

Also known as malpractice insurance, this  protects facilities against claims related to malpractice, negligence, or injury resulting from resident care. Staff members will typically be covered by professional liability insurance.

Sexual Abuse and Molestation Insurance

Sexual Abuse and Molestation Insurance

Provides coverage for your independent living organization against claims arising from alleged sexual misconduct or molestation by an employee or other representative of your organization. Essential for the health & fitness industry.

Commercial Property Insurance

Commercial Property Insurance

This protects your facility against damage or loss to your buildings, equipment, and other property, which can happen as the result of various risks such as fire, theft, or vandalism.

Workers Compensation Insurance

Workers Compensation Insurance

Workers Compensation Insurance is usually mandated by law, to protect Health and Fitness Centers and their employees in case of work-related injuries or illnesses.

Cyber Liability Insurance

Cyber Liability Insurance

Covers your organization against financial losses associated with data breaches, cyber attacks, and other cyber incidents. Insurers will usually conduct rigorous testing of your online systems as part of this policy package.

Contact Michael Richards now

Michael Richards, President, Westwood Insurance Group

Michael specializes in insurance for health and fitness centers. You can call him or one of the team on the number below or fill out the form and he will get your message directly:

we've got you covered

General Liability Insurance

Protecting healthcare organizations against increasingly crippling litigation.

Professional Liability Insurance

Protecting medical professionals against increasingly crippling litigation.

Medical Malpractice Insurance

Protecting medical professionals against increasingly crippling litigation.

Cyber Liability Insurance

Protecting healthcare organizations & professionals against cyber attacks.

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insurance for hospitals

Hospital Insurance typically covers all or part of the potential liability for hospital services. It includes medical malpractice, accidents involving hospital employees and equipment, care during surgery or any other invasive treatment, after-hours care arrangements by staff who need help with their children and more.

insurance for long term care facilities

Long term care facilities must protect themselves against potential liability arising from incidents within their facility. Westwood can help you negotiate a package tailored to your long term care facility client.

traditional insurance products

Westwood have fostered exceptional relationships with underwriters and we go to great lengths to keep abreast of their latest products, changes in requirements and restrictions, including having weekly calls with the carriers, which you can see here, by joining our insurance insider group.

    Insurance products at Westwood Insurance Group

    You can find more information on the Insurance Products main page.

    If you have any questions on the different policies, check out our Insurance FAQ’s

    alternative structures

    Westwood President, Michael Richards has extensive experience in setting up alternative structures for larger clients. Here are some examples:


    If you think your client could be large and stable enough to benefit from starting or participating in a captive or has a special need for another alternative structure, contact Michael Richards now by phone: 855 351 7487.