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Niche fitness gyms: fit for liability

Gym safety is important for every user. One underinsured accident could lead to a closure of the gym.

Group of people running on a treadmill.

Yoga studios, CrossFit gyms, martial art centers, climbing clubs…there are all kinds of workout facilities today, catering to one fitness specialty or another. For some, these facilities become more than a place to work out. They become a kind of community space — a place for people with shared interests to come together in support of healthy lifestyles.

That’s why safety is an important issue for every gym user. One underinsured accident could lead to the closure of a favorite destination. Gym owners, of course, share the largest burden of responsibility, but gym members have their part to play too.

Gym owners

As a small business owner, your role is to be proactive, rather than reactive, when it comes to minimizing risks. You have a duty of care to keep the equipment and facility safe, clean, and free of danger.

One of the most significant risks gym owners face is the risk of injuries on their premises. Potential risks include slipping on wet floors, tripping on equipment or hard to see objects, injury from misuse of equipment, member health issues, and more. Prevent these risks by warning users of any known dangers, keeping the space clean, and remind participants to respect their own limitations.

The best way to ensure your business is safe is to view our risk management resources, and contact your risk manager for a personalized consultation.

Gym members

Always stay aware of your surroundings and work out responsibly. If you injure someone at the gym, through risky or careless behavior, you could find yourself the target of a lawsuit. Look around you. Ensure you have adequate space for whatever exercise you’re performing, and adhere to all gym safety rules.

Report broken or faulty equipment and facility maintenance issues you may find. Put gear away where it belongs, and generally keep an eye out for member welfare. Enlist help from gym staff if another member is misusing equipment and/or causing a potential risk to others.

Taking an active interest in gym safety protects those around you and helps ensure your fitness facility will continue to be available as a place to sweat, strive, and socialize.

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Coverages may not be available in all states. Coverages described are subject to all the terms and conditions of the policy, including deductibles, exclusions, and limits of liability. Not all agents are authorized to write all types of insurance. Policies may be underwritten by SECURA Insurance Company or SECURA Supreme Insurance Company, affiliated companies referred to collectively as SECURA Insurance Companies. Please read the policy carefully. Any claim example is for educational and informational purposes only. The information in this document will not be used to determine the coverage of an actual claim presented. All claims are adjusted based on the relevant facts, conditions and coverages at the time of loss. For specific terms and conditions, please refer to your coverage form. Coverage is also subject to applicable deductibles and limits of coverage.

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