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Health & Fitness Clubs

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Fitness / Health Clubs and Gyms can obtain both the general operations insurances such as – public, products, management and civil (professional indemnity) with their property, contents, glass, burglary and business interruption.

As many Gyms have actually incorporated mainstream martial arts classes (not just group fitness elements) which has created some confusion in the coverage.

The martial arts section has either not been covered at all, or owners have sort a second policy specifically for it. If the gym can segregate the martial arts classes under a separate membership and specific location, it can work with a separate policy. There are however grey areas with gym members dropping into classes, but this can be all eliminated with one unique combined policy.

For the first time ever, there is an insurance product solution that incorporates the lot, all the activities of a gym / health club and a martial arts academy with liability / property / contents all through the one company.

Individual martial arts schools and associations can arrange an individual club or multi branch package. The same goes for gym, yoga / pilates chains, they can negotiate a group package that covers all the facilities, but includes a generous discount.

Another area that has been overlooked by a number of facilities is unsupervised training / workouts. It’s not so much overlooked with the 24/7 gyms because they have long understood all the elements they need to have in place for them to be covered. It’s the small gym or martial arts academy with an auxiliary gym section that allow members to come in outside their normal class times to use the equipment.

Now none of these operators need to be concerned because it’s as simple as ticking the box ‘YES’ to unsupervised training, to have it added in their policy.

 

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