Health & Fitness Business Insurance in Texas

Health & Fitness Business Insurance
in Texas

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Fitness Club Best Practices

When you run a health and fitness business, having the proper insurance is a necessary component to shield you and your staff from the many areas of potential claims you face.

You and your staff work closely with your clients everyday towards their better health: you push them physically, come into close contact with them, and advise them on regimen and diet.

These are unique risks to your business and you need insurance that can cover you on these fronts plus all of the normal areas of risk such as worker's comp and property insurance.

A proper health and fitness business insurance policy in Houston will protect your health club for much less money than you'd expect. And the protection that it provides can be the difference between success and failure.

Even unwarranted claims can hamper your ability to do business as the costs to defend your health club can jeopardize its health.

Texas health and fitness business insurance is available to all owners of health and fitness clubs in Houston and incorporates both traditional insurance and club-specific lines of insurance so that owners can remain focused on growing a thriving health business.

It’s a good thing for you and your employees.

Workers’ comp insurance may also protect you from being sued by employees for workplace conditions when a court finds your company liable in causing an injury or illness to your employees.

A Fitness Club Best Practice Must

While your customers sign a waiver absolving your business from blame for any injuries that they incur while in your facility, it’s not enough to prevent lawsuits. You may be familiar with the following incidents that occurred in health clubs:

Sacramento Kings player, Francisco Garcia, broke his wrist hoisting dumbbells after the ball he was sitting on burst
Stafon Johnson, a USC football player, required surgery after dropping a bench-press bar on his throat
An woman sued a Chicago area health club after a treadmill malfunction threw her from the machine and severed her right foot

Rare as these situations are, they do occur. For protection, you need staunch insurance coverage from an agent who understands the business. Pasadena Insurance Agency, Inc. can provide you with an insurance program customized to the fitness industry. The right fitness insurance protection needs to be a best practice for your club.

Why is that so important?

Health Club Business Trends

According to the International Health, Racquet and Sports Club Association (IHRSA), your industry has experienced continuous growth over the last twenty years. One reason for this is the media. The fitness business is the beneficiary of hundreds of thousands of pages of free promotion every year. This is because the benefits of regular exercise are constantly touted in print, on TV and on the internet.

More recently, two other factors have impacted your business:

Corporate involvement—31% of America’s larger corporations subsidize employee health club memberships according to IHRSA
Health Insurance involvement— An increasing number of HMO’s reward their members for participating in regular exercise programs

All of this exposure means you’re probably seeing new members representing non-traditional markets such as seniors, children and sedentary people coming into your club. They want a facility that is safe for exercise. That’s where insurance comes in.

We provide one of the most comprehensive health and fitness insurance programs available today. With six coverages and two endorsements, our insured health and fitness clubs, their owners and their health club members are fully protected.

Health and Fitness Insurance Program

Our first priority is helping you take care of yourself and your family. We want to learn more about your personal situation, identify your dreams and goals, and understand your tolerance for risk. Long-term relationships that encourage open and honest communication have been the cornerstone of my foundation of success.

Our site is filled with educational videos, articles, slideshows, and calculators designed to help you learn more. As you search our site, send me a note regarding any questions you may have about any particular investment concepts or products. We'll get back to you quickly with a thoughtful answer.

The program offered by Pasadena Insurance Agency, Inc. includes the following six coverages:

1) General Liability

Comprehensive General Liability – Limits to $1,000,000 each occurrence/$3,000,000 aggregate
Premises Liability
Special Events coverage outside the club is included for the entity and professional instructors or consultants Personal Injury Liability
Coverage extended to contracted professionals for additional premium
Employee Benefits Liability
Coverage for tanning available
Liquor Liability coverage available
Abuse or Molestation coverage available

2) Professional Liability

Health and Fitness Professional Liability coverage form – limits available up to $1,000,000 per professional incident and $3,000,000 aggregate
Coverage extended to entity and employed professionals including lifeguards, racket sports instructors, aerobic & fitness instructors

3) Property

Blanket limits with large in-house capacity
Special Causes of Loss coverage on buildings, contents, business income and extra expense
Coverage extended to include property of customers in your care, custody or control
Coverage for outdoor pools and court surfaces
Spoilage
Signs (attached or unattached)
Precious metals, including trophies
Business income and extra expense
Pollutant clean–up and removal

4) Umbrella/Excess Liability

Limits up to $15,000,000 available

5) Automobile

Owned auto
Hired and non-owned auto
Hired car physical damage
Rental Reimbursement for private passenger vehicles

6) Crime and Fidelity

Theft, Disappearance and Destruction - $10,000
Forgery or Alteration
Employee Dishonesty

Two Endorsements

The following two endorsements can also be included in your insurance protection:

Bell Endorsement - includes Business Travel Accident Benefit, Donation Assurance, Emergency Real Estate Consulting Fee, Identity Theft Expense, Image Restoration and Counseling, Key Individual Replacement Expenses, Kidnap Expense, Terrorism Travel Reimbursement, Workplace Violence Counseling. Limits for each Conference Cancellation, Fundraising Event Blackout, Political Unrest, Temporary Meeting Space Reimbursement and Travel Delay Reimbursement
Crisis Management Enhancement Endorsement - crisis management emergency response expenses incurred because of an incident giving rise to a “crisis”

Two reasons to get started right away!

Before the next workout session takes place, make sure that you and your trainers are protected from all claims. You don't want one unwarranted claim to close your gym.

You can get a no-risk quote right away. Just fill out this short form and we'll get back to you within a day with an affordable policy that you can put into place immediately.

Pasadena Insurance Agency, Inc.

Pasadena Insurance Agency, Inc. is veteran health and fitness facility insurer. We will review your club, customer base and exposures to customize this comprehensive program to your business.

Contact us today and discover how we can help protect you against potential losses like those at the beginning of this article. See how we can get you in an insurance “fitness” program that will protect and enhance your health club for many years to come.

Health & Fitness Business Insurance in Texas