Negligent acts performed by gym staff may result in injury or damage to clients. This can result in a professional indemnity claim against the gym. Error and omission claims risk is high for professional trainers.

Any damage to a buiding or its contents due to fire, flood and other special perils can be a serious threat for the gym or health club business. There is a high risk of accidents resulting in loss to the assets and gym equipement.

Gym and health clubs deal with people every day which increases the risk of bodily or non-bodily injuries or accidents occurring to third parties within the gym premises. Third party liability is a major risk for gym owners.

Gym staff or employees can sue gym owners against workplace injuries or sexual harassment. The risk of employee-related lawsuits is increasing rapidly and causes a series threat for gym and health club owners.