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BUSINESS INSURANCE FAQS
Fitness professionals may not think of their fitness small businesses as being vulnerable to malpractice lawsuits, but because even routine exercises and common techniques can cause harm, every client is a potential lawsuit. Hiscox understands that the risks you face are unique to fitness businesses, and that’s why we offer customized fitness insurance to members of many fitness professions, including, (but not limited to):
Small Fitness Club/Gym Owners
Professional liability insurance, sometimes called errors and omissions insurance (E&O insurance), is coverage for claims against businesses that arise from their professional and personal services – businesses like yours. Almost any service you provide could result in legal action. Here are two of the many situations that may arise in your fitness business that, if you’re uninsured, could cause significant financial damage:
You need to know that you can be sued for negligently performing services even if you haven't made a mistake. Professional liability insurance is designed to protect you in these instances.
General liability insurance protects you from third-party claims arising from bodily injury (slips and falls), personal injury (libel or slander), and damage to someone else's property. Because your working environment includes the use of equipment, supplements and more -- every fitness professional runs the risk of needing general liability insurance protection at some point.
When could general liability insurance come in handy for your fitness club or fitness instruction practice? Here are two examples:
In these scenarios and so many more, a general liability insurance policy will protect you from third-party claims, providing legal representation and advice that you’d likely be lost without.
From these examples it’s clear that your fitness enterprise needs professional liability and general liability coverages. Hiscox has the liability insurance protection you need:
Get a fast, free quote now and get that Hiscox confidence behind your business, too. If you prefer, you can call us at 1-866-283-7545 and speak with a Hiscox licensed agent, Monday thru Friday from 8am-10pm ET.
This information is provided to assist you in understanding the coverage we offer and does not modify the terms and conditions of any insurance policy, nor does it imply that any claim is covered. Coverage is subject to underwriting and the terms, conditions, and limits of the insurance policy, and is not available in all states.
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Underwritten by Hiscox Insurance Company Inc.
104 South Michigan Avenue,
Suite 600, Chicago, IL 60603.