Fitness Club Field Module
Fitness Club Inspection Worksheet
Document actual gym activities, supervision, equipment condition, member safeguards and emergency controls. Record what was observed versus reported; use N/A when a feature is absent. This field tool does not certify equipment installation or legal compliance.
Facility / Risk Overview
Programs / Members / Contracts
Underwriting Focus — Member risk controls
Document the existence and reported use of screening, orientation and waivers. A signed waiver is not proof that hazards are controlled or that the agreement is legally enforceable. If photographing a form, use a blank sample or obscure personal details.
Equipment / Inspection / Anchorage
Underwriting Focus — Equipment and anchorage
Document visible condition, maintenance records and the basis for anchorage claims. Not every machine requires floor anchors; follow manufacturer instructions. Do not certify structural fasteners or load ratings from appearance alone.
Special Amenities / Locker Rooms
Underwriting Focus — Special features
Treat pools, spas, sauna, climbing walls and tanning as separate exposures. Record the operation and visible safeguards; request an appropriate supplemental survey where needed. Do not certify drain-cover compliance, water quality, anchor integrity or legal conformity from a general walkthrough.
Emergency / Property / Loss Exposures
Underwriting Focus — Emergency response
ACSM facility guidance emphasizes an emergency action plan, accessible AEDs and trained response. Legal requirements differ by jurisdiction and facility type, especially for 24-hour unstaffed operations. Record observed features and the manager’s statements; do not declare compliance without the applicable standard.
Photos to Obtain
Photograph representative activities, visible hazards and readable service tags; do not photograph member medical or other personal records. When a feature is absent, mark N/A in notes.