- Provides protection for guests who may be injured on the premises
- Provides protection for personal trainers, fitness instructors and others who perform services
- Provides protection for the loss of buildings or equipment due to a covered incident
How We Can Help Your Business
The fitness and wellness industry is unique in how it serves the clientele. These spas provide distinct services that can vary from one spa to the next. Some focus on fitness with yoga, Pilates and step classes taught by instructors. Other centers may include special programs to help clients improve their health.
With each of these services, a certain level of risk is inherent. Even if a person performs an exercise correctly and follows all the rules, they can pull a muscle or get hurt even worse. If an injury occurs and the owner is deemed to be liable, they may be responsible for the costs of medical care. You will need to carry specific liability insurance which will protect you in these situations.
It’s also important to protect your business from disaster. A fire or earthquake can cause damage to the facility or equipment. You need to carry commercial property coverage for your spa. Along with this policy, you need workers’ compensation insurance in case your workers are injured at the spa. Of course, protecting your business is more than just carrying the right insurance policy. You must consider how risk management can help you lower your costs and prevent the kind of situations that increase risk for your clients, employees and others.
S&K Insurance specializes in the hospitality industry, so we understand the unique situations that fitness and wellness spas face. We know you need specific coverage for incidents that can happen at your facility. Let us help you create a custom policy which will protect your business and help it thrive into the future.
