Question 1

What is a common misconception about Professional Liability (E&O) for Gyms & Fitness Studios?

Accepted Answer

Gyms rely on participant waivers. Waivers are unenforceable in some states (Virginia, Louisiana, Montana) and can be voided by gross negligence anywhere.

Question 2

What happens if gyms & fitness studios don't have Professional Liability (E&O)?

Accepted Answer

Trainer pushes a member with cardiac history into max-effort workout; member suffers heart attack — $480K wrongful death. Professional liability pays.

Question 3

What is a common misconception about General Liability for Gyms & Fitness Studios?

Accepted Answer

Equipment failure injuries are the #1 GL claim type at gyms.

Question 4

What happens if gyms & fitness studios don't have General Liability?

Accepted Answer

Member injured by failing cable machine — $80K. GL pays.

Question 5

What is a common misconception about Workers' Compensation for Gyms & Fitness Studios?

Accepted Answer

Trainers face routine injury exposure.

Question 6

What happens if gyms & fitness studios don't have Workers' Compensation?

Accepted Answer

Trainer back injury — $24K. WC pays.

Question 7

What is a common misconception about Commercial Property for Gyms & Fitness Studios?

Accepted Answer

Commercial fitness equipment is expensive ($200K+ for full gym).

Question 8

What happens if gyms & fitness studios don't have Commercial Property?

Accepted Answer

Fire damages equipment — $90K. Property pays.

Question 9

What is a common misconception about Employment Practices Liability (EPLI) for Gyms & Fitness Studios?

Accepted Answer

Trainer 1099 vs. W-2 classification is heavily litigated.

Question 10

What happens if gyms & fitness studios don't have Employment Practices Liability (EPLI)?

Accepted Answer

Misclassification claim — $50K. EPLI pays.

Gyms & Fitness Studios Insurance Coverage Guide | RISKX