Product Liability for Fitness Equipment and Exercise Equipment Manufacturers

Fitness Equipment Product Liability Insurance QuoteAs popular as fitness & exercise equipment is, it can be a challenge for those of us with busy work and home lives to put them to use.  It can also be a challenge for retailers & manufacturers to find products liability coverage for the fitness equipment, gym equipment and exercise equipment they manufacture, distribute, or service.

As an example of some of the product liability insurance we can provide for Fitness Equipment companies, we can insure the following for both residential and commercial gym uses:

Strength training equipment

Exercise equipment

Elliptical machines

Free weights


Stationery bicycles

Kettle bells

Pilates equipment

Exercise balls

Balance beams

Is Product Liability Insurance for Fitness Equipment Manufacturers & Distributors is Difficult to Obtain?

product liability fitness equipmentNot for us. As you well know, this type of equipment is subject to heavy use in healthcare or fitness facilities or fitness centers. It may be used improperly in those facilities or in individual’s homes. In either case, exercise equipment has the potential to cause serious bodily injuries and generate expensive lawsuits. That’s why some insurers shy away from these types of risks.
Our Individual Risk team has the knowledge and experience to help protect clients who manufacture, distribute, or service exercise equipment from product liability claims, suits and losses.

Advantages to you

Placing business through us offers you benefit options such as:

  • Product Liability Coverage for discontinued products or prior acts
  • Product Liability Coverage for new and start-up businesses
  • Product Liability Coverage for personal in home gym equipment
  • Product Liability Coverage for professional gym equipment
  • Premises Liability for your Manufacturing facility

Who Should Have Product Liability Insurance?

Anyone that is responsible for the design, manufacture, sale or distribution of a component or end user product. This applies to any business or individual that manufactures his own product or even if the product’s manufacturing is subcontracted out buy another operation, even if the operation is overseas.

How is a Product Liability Insurance Policy Rated?

product liability insurance gym equipmentA Products Liability Insurance Policy is rated on several factors.

  • What is the product you are covering
  • How many of these products will be distributed into the market
  • What are they used for and who will be using them
  • How long are they intended to last
  • What are they made of
  • Where are they manufactured
  • Who is manufacturing your product
  • How clearly defined are the usage instructions, directions and
    guarantees and or warranted that are provided with the product
  • What claims does the manufacturer or distributor make about the product, either in writing, demonstration or in media.

What Does Product Liability Insurance Cost for Fitness Equipment Manufacturers?

product liability insurance exercise equipmentProduct liability insurance costs for fitness equipment are much like any other liability insurance product. There no real average rate because they are based on the specific type of product you manufacture, retail or market. There are some products that pose very little potential to cause harm or damage and there are others that have a higher propensity to be risky, and therefore carry higher premiums.

How much Product Liability Insurance do I need for my Fitness Equipment?

The amount of coverage required can vary, important factors to consider when shopping product liability insurance limits are: How much coverage do my vendors require me to have to stock my product? What do I stand to lose if our fitness equipment manufacturing company is sued?Because gym injuries can be severe or deadly, you may want to discuss your insurance requirements with vendors or an attorney before making any decisions.

Because every Fitness Equipment Product is different, underwriting a products
liability insurance policy for your gym equipment product is complicated. If you need a quote on Product Liability Insurance Coverage, please complete a product liability insurance quote request . Castle Rock Capacity Insurance Agency currently offers Products Liability Insurance Policy Coverage in New York, NY, New Jersey, NJ, California, CA, Massachusetts, MA, Florida, FL, Illinois, IL, Connecticut, CT,  Texas, TX, Arizona, AZ, and Pennsylvania, PA.

Fitness Equipment Product Liability Insurance Coverage
Gym Equipment Product Liability Insurance