Gym Insurance

Comprehensive Gym Insurance Cover

Public Liability Insurance

We understand that running a gym comes with its own unique risks. A gym member or member of the public could slip in your changing rooms, suffer an injury after a sudden defect with a machine or encounter illness after digesting health products sold by your business. With the correct protection in place, we can help shield your business from financial crisis if a claim is brought forward for compensation.

Benefit from public liability insurance cover up to £5 million in the event that a third party tries to sue you for injury or damage to their property after an incident that was the fault of your business.

Employers Liability Insurance

If you employ members of staff including personal trainers and volunteers to run various gym classes, you will be required to have employers liability insurance by UK law.

We can provide cover up to £10 million to safe guard your company in the event that an employee suffers an injury or illness as a result of negligence by your business (such as slipping on a wet floor or falling over a cluttered area). We recommend that you should implement good health and safety practices to reduce the risk. Also introducing regular risk assessments in your gym can minimise the amount of accidents that occur.

Buildings / Contents Insurance

As a gym owner, your building(s) and contents are the key essentials to the daily operation of your business. You can safe guard the structural integrity of your premises with buildings insurance to protect against: fires, floods, bad weather, criminal / accidental damage and falling objects. You could also benefit from reliable contents insurance to avoid unnecessary costs to replace stolen gym equipment and repair damage caused by gym members to your property.

Additional Product Options

Depending on the requirements of your business, we can tailor additional products under a single gym insurance policy.

• Products liability - If you sell training equipment or gym snacks, this add-on product will provide cover against any claims for sickness or personal injury caused by your products.
• Business interruption - This product will ensure you receive any loss of income as a result of a disaster that causes you to close the gym or rebuild the premises after a fire, flood or vandalism.
• Stock insurance - If your stock is stolen or damaged, you will be insured against the cost to replace these items in the event of a claim.

Our team of insurance brokers are here to help you get the correct levels of cover at affordable prices. Simply speak to us about your business insurance needs for free, local advice.