Gym business insurance
Join over 800,000 customers like you. Compare tailored insurance for gym pros from trusted brands.
Get tailored quotes in 7 minutes
Compare quotes from leading brands
Rated 4.7/5
Based on 39,250 reviews
Claims paid in 24 hours
For 80% of settled claims
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
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 for gyms
In case your gym causes an injury or property damage.
Employers’ liability insurance
In case anyone gets ill or injured while working for your gym.
Business and office equipment insurance
In case something happens to your business and gym equipment.
Legal expenses insurance
In case you have to pay legal costs connected with your gym.
Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
Building insurance
In case something happens to your gym premises.
Public liability insurance for gyms
In case your gym causes an injury or property damage.
What’s typically covered by public liability insurance?
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.
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
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 £6.77 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
How we work out example prices We take the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 Jan 2021 - 31st August 2021). Most customers pay more than this but some pay less.
Example gym insurance quotes, real prices
£175.88 /month
£1563.37 /month
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
£240.83 /month
£2140.68 /month
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 23/09/2020). 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
Direct to
insurer
Highstreet
broker
Compare policies from a range of trusted insurers
Buy online or over the phone in minutes
Access support by phone or online
We handle claims, so you can get on with business
How do I choose insurance?
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?
Do I need cover for other types of work?
Which public liability cover limit should I choose?
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 these services alongside building work, 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
How do 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. The figure below is rounded across our range of products. Our claims process may vary for different products and operates on a ‘claim by claim’ basis.
£30 million in claims paid out in 2019
Paying 80% of settled claims within 24 hours in 2019
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 800,000 small businesses
We started out as a team of five back in 2005. We’ve grown since then with 600,000 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 39,250 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
Keep up to date with Simply Business. Subscribe to our monthly newsletter and follow us on social media.
Subscribe to our newsletterInsurance
Public liability insuranceBusiness insuranceLandlord insuranceTradesman insuranceCharity insuranceNot for profit insuranceRestaurant insuranceCommercial van insuranceInsurersAbout
About usOur teamAwardsPress releasesPartners & affiliatesOur charitable workModern Slavery ActSocial mediaSite mapAddress
6th Floor99 Gresham StreetLondonEC2V 7NG
Sol House29 St Katherine's StreetNorthamptonNN1 2QZ
© Copyright 2021 Simply Business. All Rights Reserved. Simply Business is a trading name of Xbridge Limited which is authorised and regulated by the Financial Conduct Authority (Financial Services Registration No: 313348). Xbridge Limited (No: 3967717) has its registered office at 6th Floor, 99 Gresham Street, London, EC2V 7NG.