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Gym insurance

Join over 900,000 customers like you with cover from £3.19 per month*

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  • Compare tailored gym insurance from trusted brands
man and woman lifting kettlebells in the gym

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Rated 4.7/5

Based on 39,755 reviews

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Claims paid in 24 hours

For 80% of settled claims

What's on this page

  • Why is insurance important?
  • What does it cover?
  • How much does it cost?
  • How do I choose insurance?
  • How do claims work?
  • FAQs
  • Helpful articles

Why do you need gym insurance?

Our policies go far beyond gym liability insurance. Third party injuries and property damage are part of your risk profile, but so are employee claims, and your own accidents. For example, if your gym was vandalised or you injured your back and couldn’t work, would you have the funds ready to take care of business?

  • gym insurance UK-based claims and customer service team
  • peace of mind, letting you focus on the goal setting, not the what-ifs
  • public liability insurance between £1 million and £5 million

Start your quote

What does gym insurance cover?

Lots of gyms and health clubs start with public and product liability insurance, and build from there. Our cover is built to protect you against third party injuries and accidents – along with property damage. You can factor in other popular options, like gym equipment insurance, and employer’s liability cover is usually a legal requirement if anyone’s working for you.

Public liability insurance

In case your gym causes an injury or property damage.

What’s typically covered by public liability insurance for gyms?

Claims against your business for:

  • damage to someone’s property, caused by your gym
  • an injury or illness caused by your business activities or products
  • accidental damage or injuries caused by your employees

For example:

  • your client is using the pull-down machine incorrectly and injures his shoulder – the equipment isn’t faulty, but a claim is brought against you
  • a maintenance worker slips on a wet floor in your shower area, breaking their arm

What you’ll need additional cover for

  • if you do employ anyone, you’re usually required by law to have employers’ liability insurance too.

Read more about public liability insurance

Employers’ liability insurance

In case anyone gets ill or injured while working for your gym.

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • an injury or illness that happens as a result of working for you (including temps and casual workers)

**Employers’ liability insurance is required by law if you have people working for you. Without it, you could be fined up to £2,500 a day for each employee.**

For example:

  • your employee loses concentration while demoing the treadmill, falling off and injuring their knee
  • a summer temp slips and falls on a wet floor in your gym – they injure their back and need five weeks off work for recovery

Business and office equipment insurance

In case something happens to your business and gym equipment.

What’s typically covered by business and office equipment insurance?

  • theft of the equipment you use to operate, from your laptop to your leg press
  • loss of your equipment
  • flood, fire, or accidental damage

For example:

  • you drop your tablet during a new client meet-up and it smashes, losing all the client info you haven’t yet uploaded
  • the cross-trainer gets damaged when used incorrectly, and needs replacement parts fitted

Read more about business and office equipment insurance

Legal expenses insurance

In case you have to pay legal costs connected with your gym.

  • legal costs attributed to your gym business
  • property damage, nuisance, or trespass – specifically, the associated legal claims and compensation payouts
  • tax and compliance disputes, and investigations you need help with
  • includes a tax advice helpline, a 24/7 confidential legal helpline, and crisis PR support to help you protect your reputation as a popular gym

For example:

  • you’re subject to a tax investigation and need to pay costs, including legal representation fees
  • a new client is refusing to pay their invoice, disputing the contracted terms – you end up going to court and incurring legal expenses

Read more about legal expenses insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or elsewhere.

What’s typically covered by personal accident insurance?

  • accidental injury or death at or outside of work, for anyone covered on the policy
  • lost income, medical costs, and hospitalisation benefit

For example:

  • while at a wedding you fall down some stairs and injure your back, and can’t work or drive for at least a month
  • a client drops a weight on your business partner’s foot during a training session, and they can’t walk or drive to work

Read more about personal accident insurance

Building insurance

In case something happens to your gym premises.

What’s typically covered by building insurance?

  • the cost of repairing damage to the structure of your building (or rebuilding it from scratch)
  • damage to fixtures and fittings
  • damage to underground pipes and cables you’re responsible for

For example:

  • while installing new gym equipment, your employee damages an interior wall, as well as the glass reception door
  • a pipe bursts overnight and you need to fix significant damage to your gym’s flooring, and replace the doors

Read more about buildings insurance

This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions

How much does gym insurance cost?

Find out how much you’ll pay by comparing prices from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.

Prices start from £3.19 per month

Get your quotes in 7 minutes – prices are guaranteed for 30 days.

Get your tailored quotes in 7 minutes

Start your quote

10% of our customers paid up to £38.32 a year for a public liability insurance policy between 1st April 2023 - 30th June 2023. Equivalent to £3.19 per month based on a monthly cost when paying for the policy in one annual payment. Paying monthly is usually more expensive as you'll pay interest. Most customers pay more than this but some pay less.

Example gym insurance quotes, real prices

chiswell insurance

£33.53 /month

£298.07 /year

A small privately-owned family gym with no saunas or steam rooms

  • 2-3 years' experience
  • Limited company
  • 1 employee
  • Based in Gloucester
  • Public liability

    £1,000,000

  • Employers’ liability

    £10,000,000

  • Contents & business equipment

    £7,500

maltings insurance

£56.99 /month

£506.61 /year

A medium-sized gym, offering sauna and Turkish bath facilities

  • 5+ years' experience
  • Limited company
  • 4 employees
  • Based in Milton Keynes
  • Public liability

    £2,000,000

  • Employers’ liability

    £10,000,000

  • Contents & business equipment

    £20,000

How we work out example quotes These examples are real quotes from our online system (created 03/03/2023). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.

What kind of excess should I expect?

An excess is an amount you pay towards any claim you make on your insurance. For example, if your excess is £250 and you make a claim worth £1000, your payout will be a maximum of £750.

Insurance cover

Lowest excess

Highest excess

Public liability

£100

£2500

Employers' liability

No excess

No excess

Tools

£60

£500

Stock

£100

£500

Business and office equipment

£50

£750

The figures above are for guidance only and any excess applying to your quote may differ. You’ll get a breakdown of the excesses for each quote when you compare with us.

How it works

  • Pick what goes into your policy

    Only pay for what you need

  • Get prices from a range of insurers

    Choose the best fit for you

  • Buy online in minutes

    Get your documents the same day

Start your quote

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How do I choose insurance for gym?

Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.

Does gym insurance cover my work correctly?

Make sure you're picking the right cover to protect you properly. It's important to know that if you have another trade or job, you'll need additional cover. For example, do you need to consider personal trainer insurance or fitness instructor insurance?

Do I need cover for other types of work?

If you provide other services, make sure you’re covered:

Other types of insurance

Which public liability cover limit should I choose?

Think about the maximum possible loss your business could face in the event of a claim, and make sure you take legal fees and damages into consideration. You can choose from three levels of coverage – £1 million, £2 million, or up to £5 million.

Talk to an expert

Our team of UK-based insurance experts are here to help, Mon 09.00am - 05.30pm, Tues 09.00am - 05.30pm, Weds 09.00am - 05.30pm, Thurs 09.30am - 05.30pm, Fri 09.00am - 05.30pm, Sat 09.00am - 02.00pm

Call our team

0333 043 8527

Online

Contact us on our website whenever suits you

Phone

Call our insurance experts during office hours (calls are charged at a local rate)

FAQs

Find answers to common insurance questions

How do gym insurance claims work?

Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.

£39 million in claims paid out in 2022

Paying 80% of settled claims within 24 hours in 2022

The figure above is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.

Example claim

Having gym business insurance through Simply Business has saved fitness clubs and companies thousands of pounds when the unexpected happened.

Gail saved more than £5,000

Gail (not her real name) received a claim from a former gym club member, for a back injury sustained during a pregnancy-specific training session. Her gym public liability insurance covered the cost of the claim, and her optional legal expenses cover helped with some local press attention.

  • Insurance payout

    £5,085

    Covering the cost of public liability

  • Gail’s costs

    £100

    The excess amount stated in Gail’s policy terms

Chosen by 900,000 small businesses and landlords

We started out as a team of five back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their business insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,755 reviews

  • Here to help

    Help from UK-based experts

  • 24/7 claims

    Make a claim any time

Gym insurance FAQ

Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about gym insurance.

  • This depends on your business, and which insurer is providing your cover. Prices start from £6.45 a month for our gym business customers – we work this out by taking the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July - 31 December 2020). Most customers pay more than this but some pay less.

  • From client injuries and property damage to an employee getting hurt, the business of fitness carries specific everyday risks. A PT insurance policy is designed to keep your focus on your clients and their progress, not all the things that could go wrong.

    There’s no legal requirement for insurance for personal trainers in the UK, unless you employ anyone – if so, employers’ liability cover is usually required by law – but if you were hit with an expensive injury claim, for example, would you have the necessary funds to manage it?

  • Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re running a gym, you may also do the odd personal training session away from your gym premises – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.

  • Each insurer looks at CCJs and IVAs differently – some apply stricter rules than others, but having a CCJ or IVA doesn’t necessarily mean you won’t be able to buy insurance.

  • This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.

    If you employ people, you’re required by law to have employers’ liability insurance.

    There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.

We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions

Helpful articles for gym insurance

Personal trainer helping client in the gym do sit ups

13 Sep 2019 • 4-minute read

How to make money as a personal trainer: a simple guide

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