Gym Insurance

Specialist cover for gyms from £336* per year.

  • Public Liability for Gyms
  • Join 150,000 customers**
  • Cover available for buildings, contents and equipment.

From £336* a year

Trusted by thousands...

Our reviews speak for themselves, with highly feedback from over 3,000 customers.¹

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.

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Public Liability

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Employers’ Liability

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Professional Indemnity

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Building & Contents

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Business Interruption

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

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

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 11/03/2024. 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.

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Help & Support

Find answers to your questions and other assistance.

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 150,000 customers.

Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.

Proof of our excellent customer service.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

Frequently
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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 01/10/2024. 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 Sep 2024

¹Based on live Feefo data