Fitness center

In practiceA member is injured on a machine and blames poor maintenance, and participant liability covers the claim your waiver won't fully stop.

Not coveredA waiver reduces risk but doesn't erase liability for negligence.

In practiceEquipment is damaged by a flood or vandalism, and contents coverage pays to replace it.

In practiceA trainer gives advice that leads to an injury, and professional liability responds to that specific claim.

Not coveredSelling supplements can create separate product-liability exposure to confirm.

In practiceA burst pipe closes the studio for repairs, and property and business-interruption cover the damage and lost income.

Not coveredIncome lost to slow membership, not a covered event, isn't covered.