Gyms, fitness centers and sport clubs focus on keeping people strong and healthy. If you run a workout facility, you know that when people are involved in physical activity, things can go wrong. As instance, someone gets injured while using the equipment or pulls a hamstring while working with a trainer or a child gets hurt in your facility while under your supervision. Insurance claims that could put gym owners or fitness owners out of business are numerous and this is important to understand where they could come from.
1 – What type of accident could happen in a gym facility?
From a slip and fall in the locker room or an injury due to a malfunctioning equipment, accidents in gyms happen more than we think. Thankfully, consequences of the accident will most often result in minor injuries. However, it is important to keep in mind that some injuries can have a major impact on someone’s life and may lead to permanent disabilities and financial problems.
Some accidents can even lead to more dramatic consequences as shown in this article from the South China Morning Post.
2 – What are the risks and hazards in a gym facility?
Identifying the risks and potentials hazards is the first step to prevent accident to happen in the gyms. With the following list we want to provide an indication of the range of risks and where gyms owners must focus their attention. This is not an exhaustive list but this should represent a majority of the origin of the accident.
The financial impact of the above risks could be lowered thanks to appropriate risk managment measures and appropriate insurance for gym owners.
3 – What is the role of the personal trainers?
Personal trainers performed various activity and have a key role to play in the risk management in your gym. In close relation with the clients, they are a critical element of your organisation and need to make sure that clients are safe and sound while exercising.
Be aware about the risks will likely reduce the occurrence of a claim but Gyms owners must make sure that personal trainers (employed or freelancers) are well covered under their own insurance or under the gym owner insurance.
Looking for a gym insurance
All these risks and incidents can leave you wide open to liability claims and lawsuits. We offer comprehensive insurance for gym owners to protect you and your company to transfer the financial burden of the loss to the insurers.
If you are looking for an insurance for your gym or fitness club, please don’t hesitate to send us an email with your contact details.
You can also visit our website to find out about the other insurance services we offer.