3 Unique Fitness Studio Insurance Exposures (And How To Cover Each)

Running a fitness studio is extremely difficult.

You’re forced to wear multiple hats at all times, all of which cut into what you really want to be doing, training people.

I know because I was the CEO of a six location fitness concept.

This means I also know insurance is often the last thing on your mind.

At Rogue Risk, we operate in a unique position of understanding both the fitness and insurance industries.

This perspective has allowed us to work with specific insurance companies to develop a one-of-a-kind fitness studio insurance program.

Unique Fitness Studio insurance Exposures

There are three places where your fitness studio has a unique risk that other businesses do not.

1) Front Doorway

You have a massive number of people coming in and out of usually one door. That means wet shoes and sweaty feet. 

All times of year people are coming and going, coming and going.

They’re mashing in and out of your studio into the changing area, into the waiting area, out the door and milling around the front door.

There are tons of opportunities for simple slips and falls in that space where your business can be held liable for the injury that’s the result.

2) Studio Floor

Everything that’s going on there is your responsibility and in particular liability for your business.

That can mean your professional advice.

It can mean someone getting hurt on the floor. Slipping because you recently washed the floor, someone walks in and goes head over heels.

There are all kinds of things that can happen in that space that you need to be protected for.

3) Back Room

If you have trainers, there are so many issues as I’m sure you’re aware, that can relate from the interacting of those trainers.

Trainers can get injured, worker’s comp. Trainers can, unfortunately, get into arguments.

Trainers can, unfortunately, make sexual passes at each other.

There are all types of situations in which uncomfortable work environments, bad judgment and ultimately places where people become injured either emotionally, physically, that are result of being under your employment under the roof of your studio and can ultimately come back to your business.

Exclusive Fitness Studio Insurance Program

The good news is here at Rogue Risk we have an exclusive insurance program that addresses your unique needs, including fitness professional liability insurance.

We can remove insurance from your daily mental load and provide peace of mind so you can go back to thinking about building workouts, helping people become healthier, stronger, live more fit lives, live their best version of their life.

If your current insurance professional has never addressed these issues with you before, then I’d encourage you to reach out to us at Rogue Risk, today.

I hope this article helped you better understand fitness studio insurance.

Thank you,

Ryan Hanley

Start a Quote in Minutes

Click the button below to receive a custom-tailored insurance quote to fit your budget and need.