At Hendrix Insurance. we offer industry leading Business Insurance policies at competitive prices to the entire our clients in Duncan, Greenville and Spartanburg areas. We are committed to helping you find the right policy for you, at the right price.
Finding the Most Comprehensive Business Insurance for Your Needs
Running a business is a huge responsibility, as not only do you have to worry about making money, but you also have to protect your assets through insurance. If you run a restaurant, you will need restaurant insurance, while running sports & fitness facilities requires unique insurance coverage of its own. Before opening your business, make sure that you have the necessary insurance to cover anything that could possibly happen.
Types of Facilities
As you know, the term sports & fitness facilities covers a variety of different businesses. This could include health clubs, fitness centers, dance studios, swimming pools, martial arts schools and even tennis centers. If people are doing physical activities on your property, make sure that you have the right insurance. While something like restaurant insurance is straightforward, the diversity of the health and fitness genre makes it more difficult to keep yourself covered.
Your sports & fitness facilities insurance coverage should apply to athletic participants, so if anyone gets hurt while using your facility, you will not be held liable. Most insurance policies will include this type of insurance, as this is a common problem in fitness centers around the country.
Many different injuries can occur at health clubs, but countless claims each year are the result of slip and falls. As a result, you will need an insurance policy that addresses the possibility of this occurring. It is not recommended that you go into business without slip and fall insurance, since these happen almost daily at gyms.
While you would never think of something like this happening at your sports & fitness facility, it is important that you have coverage in the case of sexual abuse or molestation. It is important that you screen all of your staff members thoroughly before hiring them, especially if they will be working with children, to avoid these problems. At the same time, you do not want to be held liable if someone slips through the cracks and commits one of these horrible crimes. You should not have to pay for someone else's crimes, which is what makes this insurance so important. Without this insurance, you could be sued personally for damages by the victims.
If you run a class at your facility, professional liability is a good idea. This protects you against being sued for negligence if your advice or training leads to an injury. This insurance can cover some of your legal costs, should it go that far, and protects your sports & fitness facilities from paying for these problems.
Protecting Your Business
As you can see, many things can go wrong while operating sports & fitness facilities, so you must plan for the worst. A good way of keeping your premiums down is to inspect your facility thoroughly and frequently. Good maintenance and housekeeping can prevent many slip and falls, which are a major source of claims.
- Health Clubs
- Fitness Centers
- Yoga Studios
- Racquet Clubs
- Dance Schools
- Dance Studios
- Tennis Centers
- Pilates Studios
- Aerobics Studios
- Martial Arts Studios
- Swim Schools
- 24 Hour Clubs
- Corporate Fitness