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Health & Exercise Facilities

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  • Health and exercise facilities offering individual use of equipment and personal trainers
  • Aerobics/Yoga and Pilates classes

Health and fitness facilities are sensitive businesses since they impact the personal wellbeing of their members or participants. As such, individual customer reactions to the services can be unpredictable and subjective.

Rueter Insurance helps health and fitness facilities reach their business objectives by protecting assets and avoiding unnecessary claims, while providing proper coverage at a competitive cost.

Essential coverages

  • Special events held outside the club
  • Liquor liability
  • Coverage extended to entity and employed professionals including rack sports instructors, aerobic and fitness instructors
  • Abuse and Molestation
  • Health, fitness and wellness Professional Liability
  • Employment Practices Liability, including third party
  • Personal Injury – Libel, Slander
  • Employee Dishonesty with third-party coverage
  • Cyber Liability / Data Breach
  • Equipment Inland Marine
  • Property of customers/clients/guests in your care/custody and control
  • Umbrella Liability
  • Workers’ Compensation
  • Child care, if offering the service

Critical issues

  • Special events outside the club or facility
  • Personal injury
  • Sexual abuse, molestation, and discrimination concerns
  • Length of time required to get your business up and running should a loss (such as a fire) occur
  • A plan to retain clients/customers/members when re-opening after a loss
  • Staff training in first aid, medical emergencies, and use of defibrillators. Having at least one defibrillator on premises.
  • Background checks on prospective employees and independent contractors

Questions agents fail to ask

  • How quickly could you be up and running if there’s a loss such as a fire?
  • Do you have a contingency plan ready should a loss, such as a fire, occur and shut you down for six months to a year? In such a circumstance, would you lose your customers?
  • Are your business income and extra expense limits realistic? Do you have coverage for an extended period of indemnity, 180, 360, or 720 days?
  • Are fitness professionals (personal trainers, instructors, etc.) employees or independent contractors? This could affect your Workers’ Compensation, General Liability, and Professional Liability coverages.
  • Do your operations include day care services for your employees, staff, members, and guests? If so, is this run by employees or independent contractors?

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