Everyone has things they want to accomplish. One of the main goals which take top priority among many Canadians is health. According to Newswire, more than half (53%) of Canadians say improving their overall quality of life is the primary motivation for pursuing a health and wellness resolution. Canadians see being more active as a means to achieve that goal. One in four Canadians (24%) say they would find a friend to be active with and one in five (18%) pointed out that they would join a gym.
Based on these results, being a personal trainer in Canada is a great career; but not just any personal trainer. In the past 5 years, CrossFit has turned the fitness industry on its head, with 11,000 CrossFit gyms, or "boxes" as they are known worldwide; according to Forbes, generating $4 billion annually. Many personal trainers are looking to establish their own “box”
As a personal trainer looking to establish a Crossfit gym, where people will want to come to accomplish their fitness goals, ensuring the safety of members and trainers should be top priority. Failing to invest in the safety and protection of your members and staff can leave you and your gym liable for injuries and damages. Additionally, putting your gym and your reputation at risk.
Fortunately, there are things you can do to protect your gym from these potential risks. In this post, we will walk you through some potential gym issues you may encounter and what you need to do to shield your gym from the costly claims that can result.
When a CrossFit gym invites visitors onto the premises, the establishment must be maintained in a way that is reasonably safe for them. This means gym owners and staff must routinely check for hazards, and make repairs. If a gym owner knew or should have known about a dangerous condition in the gym, but failed to make the necessary repairs, then an individual who is injured because of the hazardous condition can file a claim on the grounds of negligence, even if (they) signed a liability waiver.
Some of the more common incidents which can result in a negligence claim include:
That is why it is important to stay proactive in the fight against these claims by regularly assessing your club’s policies, equipment, and procedures to ensure that you are providing a safe experience for all your members.
For most CrossFit Gyms public liability insurance is essential and the most basic type of insurance you need to have. This insurance can provide coverage for property damage, privacy violations, bodily injury, libel, slander, and copyright infringement. It can also help cover administrative costs, legal costs, and third-party medical expenses, which can save the gym thousands of dollars in out-of-pocket costs. Crossfit Inc requires, under its affiliate license agreement that all affiliates maintain public liability insurance of at least $1,000,000 per occurrence/$2,000,000 aggregate. But with rising court awards, more is recommended.
If your CrossFit gym offers members coaching or similar services, you need to get insurance that is specific to these services. This protects you against legal action if your clients get hurt based on the advice you have given them. Crossfit Inc, requires that affiliates maintain Professional liability coverage of at least $1,000,000.00.
If you legally and directly employ your CrossFit trainers, make sure your workers’ compensation insurance policy covers them. Under this insurance, there is no minimum to how many employees can be covered, and it is vital to verify your policy covers both part-time and full-time employees. When you have workers’ compensation insurance, you are usually protected against job-related injuries, medical expenses, lost wages, retraining costs, legal costs, death benefits, and employer liability.
If you are hosting any CrossFit events, there are numerous issues and risks which may arise. One of the best things you can do for your business is to have special event insurance. This policy can help you cover any special event risks that may fall outside your regular business and ensure you are protected when problems occur.
As the owner of a Crossfit gym, one must be prepared for any eventuality, This is why you need to have an insurance company that has your best interests in mind and understands everything about CrossFit. CrossFit gyms are unique in the fitness world, and therefore need a unique insurance company for the ultimate protection/coverage.
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