Common questions about Gyms and Fitness Centers
Answering the most frequently asked questions about Gyms and Fitness Centers.
What limits do landlords require?Gravity Certs2026-08-17T23:05:53-04:00
Commonly one million primary with excess and additional insured status. Franchisors often specify more.
Does 24-hour unstaffed access change our coverage?Gravity Certs2026-08-17T23:05:52-04:00
Substantially. Unstaffed hours raise exposure and must be disclosed.
Are independent trainers covered by our policy?Gravity Certs2026-08-17T23:05:52-04:00
Usually not. Require them to carry their own coverage naming the facility.
Do member waivers protect us?Gravity Certs2026-08-17T23:05:51-04:00
Partially. New York courts frequently limit them, particularly for negligence, and they don’t cover defense costs.
What if cardio equipment fails?Gravity Certs2026-08-17T23:05:51-04:00
Equipment breakdown covers repair and lost income while the floor is short of equipment.
Reviews from Semper Insurance clients
110-35 72nd Rd, Forest Hills
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I have been using Semper insured Landland for some years now. Stu has been very helpful and responses fast to any questions you need answers too. Sara has contacted me when he was busy. He has gotten the best health insurance each year … More for my needs. It’s hard living on only my widows disability and he has helped get my health care insurance as my needs change and within my budget. -
We are so thrilled to be working with Adam. From the get-go, he took the time to understand our business's needs and worked closely (and tenaciously) to assemble an insurance package that met our unique needs. He's shown himself … More to be diligent, contentious, and a true advocate -- in many ways it feels like Adam's become an extension of my team. In the months we've been working together I've really come to trust Adam, and feel his partnership as an agent reflects a knowledge of our business and its mission and a genuine energy to strengthen and protect our operation.
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Adam is super easy to work with and really knows his stuff. He helped me find the right business insurance without any hassle. A broker you can trust.Thanks
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