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CrossFit Gym Insurance
CrossFit has become one of the most popular ways to get into shape, and it's continuing to grow. In fact, about 4 million people work out at the more than 13,000 CrossFit gyms around the world (Source: CrossFit). If you count yourself among the thousands of CrossFit gym owners out there, you're likely focused on not just the fitness of your customers, but also their safety. That's why you need CrossFit gym insurance, which should include several types of coverage.
CrossFit Gyms Need the Following Insurance
$35 A Month
Business Liability Insurance (GL): Even if you put safety at the top of your list of priorities for your gym, you cannot always stop people from hurting themselves on your property. When the worst occurs, you need to be prepared with general liability as part of your CrossFit gym insurance policy. So if someone drops a weight on their toes or twists an ankle, you can rest assured that general liability will cover their doctor's bills. Similarly, if a visitor to your property breaks some of their own expensive workout gear, and it's determined to be the fault of your gym, general liability will replace or repair it.
Abuse and Molestation Insurance: One of the best ways to help your customers feel comfortable at your gym is to make sure your CrossFit gym insurance policy features all the coverage it needs. Abuse and molestation insurance should be part of that, because it can cover legal costs if a gym member claims to have been molested or abused on your business property.
Professional Liability (E&O): If you offer your gym members coaching or similar services to help them get in shape, you need insurance that is specific to this. Professional liability will pay for the medical bills of anyone who gets hurt under your supervision at your gym, and it will also pay for your legal costs when necessary.
Business Personal Property Insurance: Your gym members expect your business property to be well maintained and clean when they arrive. This can be a challenge if you don't have the money to pay for repairs after a fire, act of vandalism, or some other disaster that destroys your building. If you want to avoid going out of business due to some damage to your gym, you need BPP when you get a CrossFit gym insurance policy.
Workers Comp Protection: Not all CrossFit gyms have a full staff of people, but if yours does, you are responsible for getting workers comp. Your employees will rely on this part of your CrossFit gym insurance policy when they are injured during the workday at your gym. Whether they get hurt when heavy equipment falls on them or they become ill after handling strong cleaning products, they deserve to get their medical bills paid for by your insurance.
Umbrella/Excess Liability: Sometimes, general liability does not provide enough coverage to pay for incidents that might happen on a business property. This is where excess liability comes in, because it can increase the liability limits, reducing the chance that you will have to pay for the damages yourself.