Gym Insurance
Specialist cover for gyms from £336* per year.
- Public Liability for Gyms
- Join 180,000 customers**
- Cover available for buildings, contents and equipment.
Underwritten by
From £336* a year
What does gym insurance cover?
Our specialist insurance for gyms is designed to protect gyms and fitness clubs of all sizes whilst providing excellent value for money.
This policy is tailored to provide comprehensive insurance cover for owners and operators of gyms, fitness studios and health and fitness centres. This insurance covers your responsibility around using and owning your premises and instructing others in fitness related activities.
Comprehensive cover provides a safeguard to your business, staff and customers from claims that could have significant financials implications. You’ll find public liability included with the option to adapt optional cover, such as employers’ liability, building and contents cover and business interruption, to your requirements.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Employers’ Liability
Professional Indemnity
Building & Contents
Business Interruption
Public and Products Liability
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of your actions or products provided to customers, that have left your custody.
Professional Indemnity
- Up to £1 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of advice and instruction that you and your staff provide.
Employers’ Liability
- £10 million worth of cover.
- Protection from claims against employee incidents if someone suffers a work-related injury and brings a claim against you.
Building & Contents
- Cover for your Buildings, Gym Equipment, Computer Hardware, General Contents, Portable Sports / Activity related equipment and many more.
- All risks insurance cover designed to protect your business premise, bricks and mortar and everything you store in it.
Business Interruption
- Cover can be for your businesses gross revenue, gross profit or gross rentals from other parties you rent out property too.
- Specialist cover for interruption to your business caused by an insurable claim within the Material Damage cover and a few other extensions.
Legal Expenses
- Cover for up to £100,000 of cover for Legal Defence, Tax Protection and access to specialist help-lines.
- Includes cover for employment, property and contract disputes, as well as health and safety appeals, jury service, court attendance and licence protection.
- Contracted instructors will need to have their own insurance.
- General policy exclusions for Asbestos, Cyber, Punitive Damages, Radioactive Contamination, Terrorism and War.
For further information on exclusions in your cover please refer to policy documentation.
Why do you need gym cover?
Running a gym involves managing risks and navigating a multitude of challenges, from financial pressures and revenue fluctuations to ensuring customer satisfaction and managing a dedicated team.
Providing a safe and secure environment for your members, staff and anyone else is so important to your reputation and future success of the gym. This is why having suitable gym insurance becomes indispensable.
Cover against claims should someone get injured at the gym.
Imagine someone were to trip over a gym mat or piece of equipment, injured themselves and blamed the gym for negligence. The gym could be responsible for the cost of their medical bills and recovery, which could severely impact the gyms finances.
Having public liability protects you against these incidents such as slip-and-fall accidents, injuries caused by equipment and damage to belongings during a gym session.
An employee suffers a workplace accident.
At the gym employees may be at risk from a variety of accidents or injuries during their working day. Suppose an employee injures their back carrying a heavy piece of equipment, resulting in some time off work, they hold the gym responsible.
Employers’ liability is a legal obligation with fines of £2500 per day for failing to comply.
You are forced to close the gym unexpectedly.
Should your gym experience an incident such as severe flooding, due to a burst pipe, you might be forced to close for several weeks for repairs. During this period, you would lose a substantial amount of revenue from memberships and classes.
Business interruption cover would compensate you for the lost income, helping you manage ongoing expenses like rent and salaries. This ensures that you can sustain your business operations and avoid financial strain while your gym is being restored.
Our experts explain why...
“The offering of gyms has evolved over years with wide ranging specialisms and different forms of delivery. We have adapted our product offering to recognise this demand, so we can make sure, whatever you are offering to your customers, we can provide you financial protection. Our insurance offering doesn’t just cover your Public Liability concerns but also those that might come from suggested negligent advice and tuition, through our Professional Indemnity extension, which we offer at no additional charge.”
Chris Trotman, Protectivity Underwriting Manager
How much does gym insurance cost?
The cost of gym insurance can vary depending on the level of cover you need. For example, if you hire instructors, you will need to add employers’ liability cover, which will increase the cost of your policy.
Investing in gym insurance is not just about protecting you and your organisation; it’s also about having the support to focus on your business and develop your service knowing you have everything covered.
At Protectivity policies start at just £336* for the year.
Prices from
£336* a year
Explainer quote
Policy cost
£336* a year
Policy type
Gym Insurance
Policy duration
Annual
Public Liability
£1,000,000
Professional Indemnity
£1,000,000
This example is based on a real quote from our website on 07/01/2026. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.
Have a question?
For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.
Why choose Protectivity for your gym insurance policy?
Let the reviews of over 3,500 customers explain why you should choose us.¹
Trusted by over 180,000 customers.
Experienced insurance providers for over 30 years.
Over 3,500 highly rated reviews.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
Our UK sales team are here to help.
Frequently
Asked Questions
What does Gym Insurance cover me for?
All our health & fitness club insurance will include public liability should one of your customers or a member of the public gets injured whilst using your facilities. Professional Indemnity is included which will cover you should someone get injured by or arising from any tuition, instruction or advice given, as long as they are appropriately qualified to do so within your business. Should you employ any staff (including volunteers), you will legally need employers’ liability which we can also incorporate.
Will my equipment be replaced on a new for old basis?
Yes, provided the insured value meets the cost of the new item and you have specified this equipment in the Material Damage section of your quote submission.
Do you include buildings and contents cover?
We do not include this as standard, however there is an option to include buildings and contents cover within the quote process by selecting ‘Yes’ to Material Damage cover. This will need to be considered by us, therefore you will need to complete all questions asked and submit your quotation, we will then aim to get back to you within 2 working days.
Discover more from Protectivity
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 07/01/2026. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
¹Based on live Feefo data