Gym insurance

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 as a result of 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 falls off the treadmill while demoing it to a client and injures 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
• 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.

What’s typically covered by legal expenses insurance?

• 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

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:

• Dance teacher insurance
• Life coach insurance
• Nutritionist insurance
• Massage insurance
• Physiotherapy insurance
• Reflexology insurance
• Public liability insurance beauty
• Consultant insurance

Other types of insurance

• Limited company insurance
• Self-employed insurance
• Freelance insurance
• Consultant insurance
• Contractors insurance
• Sole trader 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.