Why Insure Your Health Club?

Why Insure Your Health Club?

Why Insure Your Health Club?

After one has gotten their club up and running, many think that the hard work is going to consist of the usual business activities--keeping schedules straight, paying the bills, maybe even managing employees. After all, funding has been secured to keep the place open, customers are finally starting to make their way through the doors, and the place may actually even be starting to turn a profit. Many, in this case, are more worried about their immediate future than the long term. In addition, when one is this short sighted, one can easily decide they do not need any sort of insurance on their facility. However, as any good club owners knows, health club insurance is not only a smart idea for anyone that wants to minimize their liability, but a part of the business plan that is nearly as important as having a building. So why insure your health club? The honest answer is that sooner or later, problems are going to arrive. Health clubs are unique in the fact that they are a consumer-oriented business that is full with potentially dangerous equipment, usually inhabited with people who are participating in potentially dangerous activities. Take weights, for example--all it takes is one ill prepared customer with sweaty hands and no spotter to cause a serious injury--an injury that many courts will find as the fault of the facility.

One lawsuit from a customer or employee can cause even the most robust business to shut down. Club insurance can help protect the business from this, allowing for a freedom of operation that otherwise is no possible. In addition, even if your business is miraculously accident free, there is still the property itself to think of. Between the possibility of fire, vandalism, theft, and simple machinery breakdown, there are many things that can go wrong. With club insurance, one can at least expect the insurance company to help cover the cost of getting the club back up and running after such an accident or incident happens. Insurance, in short, can make sure that the unforeseen does not ruin the future of a thriving health club. While insurance is usually a hefty cost for any business owner, it is always less than trying to pay for a claim out of pocket.

With a good bit of research, one can find a policy that will not only cost a reasonable amount each month, but will have a low enough deductible that any claims filed will actually be worth the trouble. Always make sure that the future of your business is taken care of by insuring it against accident or lawsuit, and you can get back to the day-to-day operations that you can actually control.

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