What is Sports and Fitness Insurance?

Sports and fitness clubs are exposed to a wide variety of possible risks, including both property and liability perils. Sports and fitness insurance policies help clubs protect themselves from many of the risks they face.

Sports and fitness insurance policies are specialized commercial policies that have been adapted to meet the unique needs of sports and fitness facilities. In order to protect against many of the risks that these businesses face, policies usually have multiple coverages within them.

What Businesses Need Sports and Fitness Club Insurance?

Sport and fitness club insurance is well-suited for most sport and fitness clubs, including fitness centers, sports complex, multi-feature gyms and similar businesses. Since this type of insurance is specifically designed for these businesses, it’s often the best way to get the coverages that these businesses need.

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What Coverages Does Sports and Fitness Club Insurance Offer?

The coverages included in sports and fitness club insurance policies can be broadly categorized into liability coverages and property coverages. Liability coverages generally protect facilities from certain liability lawsuits and claims, while property coverages normally protect certain assets that facilities own.

Some of the liability coverages that a policy might offer include:

  • General Liability Coverage, which normally covers a range of common accidents

  • Professional Liability Coverage, which may cover mistakes made by class instructors and personal trainers who are employees

  • Product Liability Coverage, which may cover damage and injuries caused by products sold by a facility

  • Participant Liability Coverage, which may cover certain injuries sustained by guests while engaging in a physical activity

  • Spectator Liability Coverage, which may cover injuries sustained by guests while watching an event (e.g. a tournament, game or meet)

  • Supplemental Liability Coverage, which may cover other services

  • Umbrella Liability Coverage, which may provide secondary liability protection

A few property coverages that might be available through a policy are:

  • Building Coverage, which may cover a building that a facility owns

  • Contents Coverage, which may cover items kept in a building

  • Equipment Coverage, which may cover other equipment against breakdowns

Because facilities frequently customize coverages for their needs, the exact coverages in a particular policy can vary.

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Can Sports and Fitness Clubs Get Insurance for High-Risk Sports?

Any facilities that let people participate in high-risk sports should seek advice from an insurance agent who specializes in this type of insurance. A knowledgeable agent will be able to anticipate potential risks, often including ones that facility owners haven't thought of. They’ll also know what coverages are available to protect against those risks and how any needed coverages can be procured.

Are Sports and Fitness Club Insurance Policies Expensive?

Sport and fitness club policies vary in cost, for there are many factors that affect how much premiums are. A facility’s location, size and activities offered are just a few of the items that can impact what’s charged for a policy.

Nevertheless, most policies are priced so that facilities can afford them. Having coverage is almost always more affordable than facing a major claim without any protection in place.

How Can Clubs Get Sports and Fitness Insurance?

For help finding sports and fitness insurance for your facility, contact the independent insurance agents at World Insurance Associates. Our agents have helped many clubs find policies that are right for them, and we’re here to help you as well. Because we’re an independent agency, our team can search for the right policy from among many that are available through different insurers.

Meet Your Industry Specialist

Tom Fontana 

Mr. Fontana joined World Insurance Associates LLC from AJ Gallagher. He is from Holmdel and is based in Tinton Falls, NJ. Tom has 29 years of insurance experience. In 1991, he founded his own insurance agency, Property & Casualty Group, which he sold to Bollinger in 2011.

Prior to starting his insurance career, Mr. Fontana was an ATP ranked professional tennis player and continues to stay active in sports with his specialization of insuring all types of sports facilities, including tennis clubs and pool management companies.

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