Fitness professionals are at a high risk for work injuries. The nature of fitness work makes employees particularly vulnerable to workplace injuries at any time. For this reason, make sure your team has workers’ compensation coverage so you are not liable for injuries that occur at the workplace.
Just as employees take preventative measures to stay healthy, your business can do the same by staying protected under workers’ compensation insurance. Without workers’ comp coverage, fitness owners may be held liable for the costs of medical and legal expenses related to employee injury. Cost coverage can be required after the injury and through the treatment period.
You know that your business is protected, and your employees are cared for with the necessary coverage. With coverage, you can get back to focusing on what’s important: maintaining a healthy and happy workplace. For additional information on fitness center insurance, continue reading below.
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Get fitness center insurance coverage to protect everyone at your business.
The fitness center insurance covers many medical costs associated with workplace injury. Cost alleviation is granted to the following:
- ER and emergency care visits
- Continual care (medications, physical therapies)
- Wages lost from missing out on work due to injury and treatment requirements
- Funeral expenses (in the event of an employee’s death)
Independent contractors need coverage.
Even if you work as an independent contractor at a fitness center, you still need workers’ comp fitness center insurance to ensure you’re covered in a workplace accident. Most states require independent contractors to have workers’ comp coverage, so review the laws of your state to determine what you need to stay safe on the job.
Know the importance of coverage for liability and litigation.
Fitness center insurance also addresses the costs related to healthcare liabilities unrelated to medical care. For instance, if an employee injured at work files suit, your workers’ comp policy will include liability coverage to make paying for court, attorney, settlement, and additional legal fees more affordable. Verify that your business is covered should litigation occur. Not every fitness center insurance policy includes liability coverage, which places your business at risk should litigation ensue.
Implement preventative measures to avoid workplace injury.
Keep your business in good shape by implementing safety training workshops and other policies that reduce the likelihood of injury at work. Business owners may also utilize a risk assessment to determine coverage costs should an employee become injured. In the fitness industry, injuries are likely to occur. Ensure your business has what it needs to protect against medical and legal costs brought on by workplace injury.
Keep your business moving forward with proper coverage.
For clarity on workers’ comp insurance costs, call a provider and get a quote to determine your insurance premium. It is integral that your business has fitness center insurance; with it, you’ll be able to run a successful fitness business, as injuries are unpredictable and inevitable in many cases. Keep your fitness business and employees safe with the coverage you need to keep moving forward.
