Do you own a gym or fitness club? Or are you a personal trainer? When you think about it, there is potential for a lot to go wrong in these types of businesses.
For example:
- A client claims their personal trainer gave wrongful advice that led to personal injury.
- An aerobics participant falls over and sustains an injury during a class.
- A customer visits a fitness centre and claims their property was stolen while they were there.
- A fire damages a fitness club premises, putting the business out of action for a few months.
Insurance cover for the fitness industry can provide financial protection for these types of scenarios. A business pack can provide cover for risks common to many types of business – such as property, business interruption and general liability. However, fitness and health clubs and personal trainers may also need professional indemnity for claims of harm from their services. In addition, self-employed personal trainers may require personal injury insurance in case they are unable to work due to an injury.
It’s important not only to get the right types of policies but also an adequate level of cover to match your risks. Call your nearest Reliance Partner if you would like to discuss a policy for your health and fitness business.