I am starting a gym and need to know what type of coverage I’ll need. Classes offered are Crossfit, Yoga, Cardio Kickboxing, and Zumba, with the potential of renting out space for a Judo class. Do I need the Health Club Liability Insurance or the Group Fitness Insurance since these are all instructor lead group classes. No open gym or unsupervised access. There are also no large machines like treadmills, ellipticals or anything of that nature.
From the way it sounds I’m fairly certain you’ll need health club insurance. Especially if you’re the one “starting the gym.”
Michael made a good suggestion about the importance of having those who work for you or rent space from you being insured. Their type of insurance, however, would most likely be something more along the lines of group fitness insurance.
I, too, recommend you talk with an insurance company or an attorney about what would be best.
Best of luck to you with the new gym!