insurance for health and fitness centers

Insurance for health and Fitness Centers

Westwood will work with you to ensure your Health and fitness centers clients have the best insurance coverage against every possible threat they could face.

assessing their needs

Insurance is essential for health and fitness centers to protect them against every challenge they face.

As health and fitness centers usually cater to a very specific type of clientele, they have unique needs that must be considered when running the business. It is important for them to create a welcoming and supportive environment for members, while also maintaining a high degree of professionalism.

One of the groups they may cater for are seniors, who bring with them a special set of risks. For example, seniors are more prone to slips and falls, so it is important to keep the center clean and well-lit. In addition, they may have health concerns that must be considered when planning the workout routine.

Another group that health and fitness centers often cater to are people who are trying to lose weight. This can be a difficult task, as it can be easy to become discouraged. It is important to have a variety of programs and services available, so that people can find something that works for them. Additionally, the staff must be encouraging and supportive, in order to help members reach their goals.

what specific insurance do they need?

Health and fitness centers, like any other business, need to have the appropriate insurance coverage to protect their assets, employees, and clients. The specific coverage types and amounts can vary depending on the size and scope of the center, as well as local regulations. Here are some common types of insurance coverage that health and fitness centers should consider:

  1. General Liability Insurance: This coverage protects the business against claims of bodily injury, property damage, and personal injury (such as libel or slander) that may occur on the premises or as a result of the center’s operations.
  2. Professional Liability Insurance: Also known as Errors and Omissions (E&O) insurance, this coverage protects the center and its employees from claims arising from professional services provided, such as personal training or fitness instruction.
  3. Workers’ Compensation Insurance: This coverage is required by law in most jurisdictions and provides benefits to employees who suffer work-related injuries or illnesses.
  4. Property Insurance: This coverage protects the center’s physical assets, such as equipment, furniture, and the building itself, in case of damage or loss due to events like fire, theft, or natural disasters.
  5. Cyber Liability Insurance: This coverage protects the center from financial losses and legal liabilities that may arise from data breaches or cyberattacks.
  6. Employment Practices Liability Insurance (EPLI): This coverage protects the center from claims related to employment practices, such as wrongful termination, discrimination, or harassment.
  7. Umbrella/Excess Liability Insurance: This coverage provides additional liability protection above the limits of the center’s other liability policies.
  8. Sexual Abuse and Molestation Insurance: This coverage is essential for businesses that work closely with clients, especially children. It protects the center from liability in case of allegations of sexual misconduct by employees or other representatives of the business. Note: This is often incorporated in General Liability insurance packages.

When choosing insurance coverage for a health and fitness center, it’s important to consult with an experienced insurance agent or broker who can help determine the specific needs and risks of the business and recommend the appropriate policies and coverage levels.

advice for commercial agents approaching fitness centers

Commercial agents approaching fitness centers should be well-prepared and knowledgeable about the unique risks and insurance needs of the industry. Here are some tips and advice for agents to consider when approaching fitness centers:

  1. Understand the industry: Do your research to understand the fitness industry, including common risks, trends, and challenges faced by health and fitness centers. This will allow you to better address their concerns and offer tailored insurance solutions.
  2. Specialize in the niche: Becoming an expert in the fitness center niche can help you stand out from competitors and gain the trust of potential clients. Attend industry conferences, network with professionals in the field, and stay informed about industry news and developments.
  3. Offer comprehensive coverage: Health and fitness centers require a wide range of insurance coverages to protect their business, employees, and customers. Be prepared to offer a comprehensive insurance package that addresses their specific needs and concerns, including general liability, professional liability, workers’ compensation, property, and other specialized coverages.
  4. Emphasize risk management: Help fitness centers understand the importance of risk management and loss prevention. Offer guidance on best practices for maintaining a safe facility, properly training employees, and implementing policies and procedures to reduce risk.

Overall, the agent should approach the health & fitness center with a goal of understanding their unique needs and developing a comprehensive insurance program that provides adequate coverage and protection. Talk to Michael Richards for advice and support for approaching Health & Fitness Centers.


Contact Michael Richards now

Michael specializes in insurance for this particular group. You can call him on the number below or fill out the form and he will get your message directly:

Michael Richards

health and fitness centers
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General Liability Insurance

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

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Professional Liability Insurance

Professional liability insurance, also known as errors and omissions insurance (E&O) and medical malpractice insurance, protects your business against claims of negligence, malpractice, errors, and omissions which may have occurred during the fulfillment of a professional service.

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Telemedicine Malpractice Insurance

telemedicine malpractice insurance—also known as digital health insurance or eHealth insurance—has become increasingly vital for healthcare providers. to  protect them against claims of negligence, malpractice, errors, and omissions which may be the result of the limitations of webcam quality or the inability of a patient to properly photograph a condition. It can also cover cyber liability, such as remote controlled medical devices being hacked.

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Directors and Officers Liability (D&O) insurance

D&O insurance (Directors and officers liability insurance), shields the personal assets of company directors and officers, and where necessary, their spouses, from claims which could arise as a result of the decisions they made and actions they took within the scope of their regular duties.

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Cyber liability insurance

Cyber liability insurance covers the financial costs associated with a breach of your cyber security, such as a ransomware attack. It also covers first party costs including event management, data restoration, financial costs to third parties, network interruption, and cyber extortion.

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HNO Insurance

HNOA, (hired non-owned auto insurance) is designed for organizations who regularly hire vehicles or require employees to use their own vehicles in the course of their work. In the case of an accident where your employee was liable, it could cover physical damage to that other person’s vehicle, medical expenses, the cost of hiring an attorney to defend your business.

Workers’ Comp. Insurance

Workers’ compensation insurance covers your employees for workplace injuries or illness. It provides them with medical and wage benefits.

This coverage is mandated by each state, with the wage and medical benefits varying from state to state. Workers compensation also protects business owners from civil suits by workers who become injured on the job.

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Employment Practices Liability

Employment practices liability insurance (EPL insurance or EPLI), covers employers (PDF) against claims made by employees for:

  • Discrimination (based on sex, race, age or disability, for example)
  • Wrongful termination
  • Harassment
  • Failure to promote and other employment-related issues
Sexual Abuse & Molestation (SAM)

Sexual Abuse and Molestation Insurance provides coverage for organizations against claims arising from alleged sexual misconduct or molestation by an employee or other representative of the organization. 

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Environmental Liability insurance

Environmental Liability insurance is liability insurance specifically designed to protect environmental liabilities. This is a specialized form of general, commercial liability insurance that provides financial protection against litigation and clean-up costs resulting from claims of injury or damage caused by pollution, contamination or hazardous waste disposals. 

Commercial Property Insurance

Commercial property insurance is a fundamental component of risk management for healthcare and senior living providers. It is designed to protect the organization’s physical assets, such as buildings, medical equipment, furniture, and supplies, from financial losses due to damage or theft.

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Crime Insurance

Crime Insurance covers the insured party a reimbursement if their property is damaged due to a crime. Crime Insurance usually has a huge range of options and comes in different forms. It can be either a rider that can be attached to the existing insurance policy, or it is available as a completely separate product.

Commercial Auto Insurance

Commercial auto insurance is a crucial aspect of risk management for healthcare and senior living providers. It offers vital financial protection against vehicle-related incidents and is often required by law.

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Fully/Partially Funded insurance

Partially Funded insurance gives facilities the opportunity to pay a set premium for, and then in turn is  partially covered for specific risks.

Fully Funded Insurance allows facilities to pay premiums to have coverage against all risks. In return, if they are unfortunate enough to incur any of the covered loss or injury, they are reimbursed their insurance policy amount.

Excess and umbrella coverage

Excess coverage provides an additional layer of protection over and above what an underlying policy provides. It applies to a single policy only.

An umbrella policy on the other hand, provides additional liability coverage over and above what is provided by a number of underlying policies.

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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.

insurance for physicians

The different types of insurance for physicians includes medical malpractice insurance, professional liability insurance, errors and omissions insurance, an umbrella policy, and professional indemnity. As a physician, you should have access to all of these types of insurance.

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.