Gym and Fitness Studio Insurance

Gym Insurance and Fitness Studio Insurance

Gym insurance and fitness studio business insurance


Buying an 'off the shelf policy' can often be risky, as you may not have the correct cover for your fitness business, leading to a claim that may not be paid. We are able to source competitively priced, specialist gym and fitness studio policies which cover many types of training, enabling your business to be protected effectively. We can cover various sizes and types of gym or fitness studio, allowing us to build a policy around you, making changes for your requirements as you grow.

What can we cover under gym and fitness insurance?


Some of the fitness activities we cover are listed below. Please contact us to discuss your own requirements. 

  • Strength and conditioning

  • Cardio and fitness

  • Various group exercise classes such as TRX, Boxfit, Zumba®, Yoga, Pilates, circuit/strength classes, Group cycle and Spinning

  • Personal Training

  • Swimming and aqua based classes such as Aqua Aerobics and Aqua Zumba®

and more...


For your peace of mind:


  • We use financially secure, trustworthy, A rated insurers, giving you the peace of mind knowing you're protected.

  • Our insurers aim to help you settle claims promptly, allowing for business continuity. 

  • Our staff have insured many gym and fitness companies. We understand how your business works and are able to recommend suitable cover.

Bespoke, cost-effective cover protecting your fitness business


We are able to provide your gym or fitness studio with various types of cover to suit your specific requirements, such as:


Public liability

Protecting your business against bodily injury claims or third party property damage claims that may occur, which the gym may be held responsible for. We can include various cover limits for your policy - ranging from £1m to £10m.


Employers liability

Employers liability can be a legal requirement even if you employ staff on a part time basis or have volunteers helping the business. We provide advice on this area of insurance as it can often be a grey area for gym and fitness businesses due to the nature of how staff are employed. Employers liability will protect the business from injury / illness claims by employees that the gym may be accountable for.

Buildings and contents

We can include cover for additional contents including gym equipment and machinery that you need to insure. You may also own the building or require insurance as part of the lease agreement. Please let us know your requirements and we can provide you with specialised cover. 

Business interruption

This element of cover can often be vital to a package policy for gymnasiums and fitness studios.  For example, should your gymnasium have to close for a lengthy amount of time due to flood or fire, business interruption cover will allow your business to still receive the turnover it would have gained if it was able to trade.