Health Club Insurance — Coverage, Cost & Requirements

Health clubs offering multi-amenity facilities — pools, courts, group fitness, saunas, personal training — carry a layered risk profile that demands broader coverage than a single-use gym. Pool and aquatic facilities add drowning and near-drowning liability. Racquet sport courts introduce projectile and overexertion claims. Saunas and steam rooms create heat illness exposures. Health club insurance addresses all of these with general liability for on-premises member incidents, professional liability for trainers and instructors, commercial property for facility equipment, equipment breakdown for HVAC and pool systems, and workers' comp for a typically large support staff.