top of page
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 provide 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


  • Strength and conditioning

  • Weight training

  • Cardio and fitness

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

  • Personal Training

  • Calisthenics 

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

and more... 


Please contact us to discuss your own requirements


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.

Frequently Asked Questions (FAQs) regarding Gym Insurance


Can you build a policy around my specific requirements?

We can provide and arrange different insurances depending on your circumstances and demands/needs, for example in addition to the standard covers we can include;

Directors and officers

Legal Expenses

Professional Indemnity

Employers Liability
Property Insurance



Do you cover outdoor personal training?

Yes, we can include cover for outdoor PT, for example outdoor functional fitness training for your clients

Can I pay for my policy monthly?

Yes, we can offer a monthly instalment option alongside the usual payment methods of BACS, Card and Cheque

What levels of public liability do you offer?

Depending on your requirements we can provide different levels of cover. Levels of PL cover range from;




Feel free to call us and discuss what’s best for your business

If I expand my gymnasium, can I make changes through the year on my policy?

Yes, for example you may bring in some new equipment throughout the year or add another location, we’ll be able to include this as and when required

Is the policy on an auto renewal basis?

The policies are not on an auto renewal basis, we will contact you regarding the renewal and provde an up to date quote at the end of the policy period

My ltd company has more than one director, but we do not employ anyone. Do I need employers Liability?

If there are more than one director of a UK Ltd company, according to the Employers Liability Act (Compulsory Insurance) 1969, you will be required to obtain employers liability


Please see the EL Act 1969 information provided by the Health & Safety Executive (HSE) – please follow the direct link below


Employers’ Liability (Compulsory Insurance) Act 1969: A guide for employers HSE40

bottom of page