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Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and mov...
Mandy has been with Starpeak Insurance Solutions since 2018, starting in sales in the consumer department and moved to underwriting in early 2022. Prior to this her insurance journey started in 2001 with equine insurance in sales and latterly as a claims assessor. She gained her Cert CII qualification in late 2022.
As gyms have become more and more popular, so a wider variety of types of gym and business models have emerged. One particular area of growth has been in 24-hour gyms, which are open for members to use at all hours of the day and night, and are normally left unmanned by physical staff during the quietest times (or even all the time).
Not only do 24-hour gyms give members maximum flexibility over when they work out, but the businesses running them also gain through increased member retention without the compromise of increasing staff overheads.
However, running a 24-hour gym is not without its unique set of risks, which is why specific insurance for this type of gym is absolutely essential. In this blog, we’ll highlight why it’s so important, and what you should look for in a good-quality 24-hour gym insurance policy.
Why is specialist 24-hour gym insurance essential?
On top of all the regular risks that come with running a gym, there is an extra layer of hazard to consider when a gym operates 24 hours a day.
In particular, it’s vital that gym users are kept safe and secure when using a facility that isn’t attended by any staff. Appropriate measures such as remote security, CCTV and other rapid response facilities should be in place to help customers should an incident or accident happen.
Insurance makes certain that all parties are covered against financial loss if one of these events occurred and gives staff and customers alike peace of mind. Indeed, you may find that putting quality safety measures in place is a condition of obtaining cover from many reputable insurers.
What does insurance for 24-hour gyms include?
When looking for an all-encompassing 24-hour gym insurance, there are four types of cover you should look out for:
Public Liability
Any gym is vulnerable to its users suffering an injury on the premises or finding that some of their property has been damaged. In some cases, they may blame the gym for their injury or loss and launch a claim against the gym accordingly. Public liability covers any legal fees that your gym may incur defending the claim, and any costs that arise from having to make a settlement. This can prevent your gym facing sudden financial shocks, whether you’re at fault for an incident or not.
Buildings and content cover
Every building is at risk of damage such as fire, flooding, vandalism, burglary and other malicious activities. With 24-hour gyms often open without staff on site, it can be much harder to stop damage or theft taking place inside the gym itself. Buildings and contents cover can mitigate any financial loss incurred by these events, whether they’re internal or external. Good insurers will allow you to vary the level of this cover, depending on the value of your assets.
Business interruption cover
Many of the incidents listed above involve people, buildings or contents can often lead to a gym having to close for a period of time. For a 24-hour gym, this can immediately generate financial losses, whether through lost sales of pay-as-you-go passes, or through monthly fees reimbursed to customers because of the disruption. Business interruption cover makes sure that your company won’t lose out.
Employers’ Liability
The level of employers’ liability needed for a 24-hour gym will vary substantially, depending on the number of staff, type of work they do and the hours they work. Nevertheless, it is a legal requirement to make sure that your business is covered if any employee suffers an accident or injury at work. Employers’ liability insurance covers legal fees and settlement costs for claims involving all employees, whether they’re full-time, part-time or voluntary.
Get 24-hour gym insurance with Protectivity
At Protectivity, we have over 25 years of experience providing gyms all over the UK with comprehensive insurance, and our wide range of policies include specialist cover for gyms that operate on a 24-hour basis.
You can keep your staff, customers and business interests protected with a combination of public liability, employers’ liability, business interruption cover and buildings/contents cover. Available at competitive rates and approved to cover CrossFit, we have the right policy for you at a price that makes financial sense. We also offer PT insurance for personal trainers.
Take a look at all of our 24-hour gym insurance policies in more detail.
Get Gym Insurance from Protectivity
*Disclaimer – This blog has been created as general information and should not be taken as advice. Make sure you have the correct level of insurance for your requirements and always review policy documentation. Information is factually accurate at the time of publishing but may have become out of date.Â
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My main focus is managing the blog and product content for the Protectivity website ensuring everything aligns with the brand’s voice and strategy.
For the small businesses we support, insurance and financial protection can sometimes seem complicated, especially when getting started. That’s why our content is designed to be clear and practical—providing helpful guidance and ensuring our customers not only find the specialist cover they require but are confident it will do the job they need.
