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Types of insurance for gym owners:

Liability Insurance

It is compulsory to have employers’ liability insurance if you have any employees (with some exceptions).

This is to protect you if a member of staff sues you due to injury, death or property damage or loss in the course of their employment. 

Public liability insurance is of the utmost importance to gym owners.

Because it provides you with financial protection if a third party or customer was to sue you for causing them injury, death, disease. 

Furthermore, it also covers you if you cause damage to third party property as a result of your negligence.

So, just imagine, without public liability insurance your business could be wiped out by one large compensation claim.

In addition, products’ liability provides you with financial protection if you were sued due to a defective product you have sold. 

Professional indemnity insurance covers you for the legal costs involved in defending you against any claims made due to providing poor advice or an inadequate service. 

Property Insurance

In short, gym equipment cover protects you against damage and loss to your gym and business equipment.

To sum up, stock insurance will cover you for damage or loss to the products you sell.

Firstly, if you own the buildings you trade from or if your lease agreement stipulates you are responsible for insuring the buildings…

You should take out buildings insurance to protect your buildings from damage or loss. 

In brief, if you are unable to trade as a consequence of damage or loss that has occurred to your premises then business interruption will indemnify you for your loss of earnings.

Furthermore, it is usually up to an agreed period of time (normally between 12 and 36 months). 

In addition, some insurance products provide extensions to business interruption cover such as…

Covering you if you can’t trade due to denial of access or if the utilities have a power failure. 

Additional Covers

In short, Money insurance provides you with cover if money associated to your business is damaged, lost or stolen. 

In short, goods in transit insurance will provide you with cover if your goods suffer damage or loss whilst they are in transit. 

In short, Legal Expenses insurance will cover you for costs involved to defend or pursue a claim in the courts of Law as a result of any business related disputes. 

Firstly, damage caused by terrorism is excluded from most standard insurance policy wordings.

Whereas, most insurance policies will give you the option to write back terrorism insurance, usually via a third party insurer. 

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