How to Secure a Gym

The arrival of good weather makes many think about how little is left for summer to arrive. But with beach days just around the corner, some are beginning to feel remorse for having gone out of line with Easter feasts and French toast. Therefore, bikini operation often becomes the only hope for many people to get in shape when the heat arrives.

According to Google, Internet searches related to health, fitness, beauty and fashion trend to increase in January and May. For example, the most searched words in the diet section of last year were Dukan diet followed by an alkaline diet and dissociated diet. On the other hand, other searches related to the world of fitness were how to have abs and high-intensity workouts such as Crossfit.

Accidents in the gym

The months preceding the summer also become the most crowded for gyms, which multiply their offers to win members. For this reason, many times, accessing a fitness room when leaving work in the middle of May can become an odyssey. When going to the gym, all kinds of activities are carried out, from some more relaxed such as yoga or Pilates to others of more intensity such as spinning or body combat. But what would happen if a member had an accident with a bicycle and was injured due to its poor condition?

Most Autonomous Communities require that gyms have Civil Liability insurance that covers, through financial compensation, the damages that may be caused to third parties on the premises, such as subscribers or employees. Therefore, if you have to take insurance, it would be responsible for paying the relevant compensation.

RC for gyms

The Liability coverage (RC) for gyms may be necessary to obtain the business license by the authorities. The most common is usually the civil liability of exploitation that responds for the damages that may be caused to third parties while the activities of the insured company are carried out. In this way, the insurance would cover a subscriber or employee if, for example, they use a machine in poor condition and it causes an injury or if the floor is wet and they fall.

On the other hand, it can also be included in the policy, depending on the insurer with which the policy is contracted, the Employer Civil Liability, which protects the business owner from the damages that may occur in the premises of which he is the tenant. In addition, the employer’s civil liability would be responsible for compensating workers in case they suffered injuries or their relatives if they died due to an accident at work.

Breakdowns and damage

In addition to CR, gym owners usually take out Multi-Risk Trade insurance,  which usually includes coverage that protects their business from breakdowns and damages. The price of these policies normally depends on your facilities and the type and number of machines you have, the capacity, the number of employees or whether you have a pool.

The damage guarantee protects the insured company from fire, machinery breakdown or water damage. The machines in the gym tend to be quite expensive. So fixing them if they break can be very expensive. However, depending on the insurance you purchase, their maintenance may be included, which can save you money in case you need to repair them.

Stole

In addition to sports machines, thieves may decide to rob a gym for the cash or the computer and IT equipment inside. For this reason, it is important to hire a theft coverage that protects your business from a possible unexpected visit. In this way, in case you suffer a theft you will be protected and the insurance will be able to compensate you.

Compare your insurance before hiring it

Before hiring multi-risk insurance for your gym, it is recommended that you compare the different offers of the companies and that you do not stay with the first option. In addition, it is important that you look at the coverage they offer, since there may be policies that are more adapted than others to your gym. To compare the different insurances and hire the best option

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