Gym business insurance

Business insurance for your gym

We know that your gym is focused on keeping your clients safe while helping them achieve their fitness goals. But even in the best-run gym, accidents sometimes happen.

Whether you’re a CrossFit affiliate, a new business investing in your first pieces of equipment or a local all-rounder, we’ve got the insurance policy to suit your gym.

A Simply Business gym insurance policy will usually have public liability cover at its core. This can protect you if you’re sued for injury or damage. Your quote can also include buildings insurance, contents insurance and gym equipment cover to get your business back in shape if something goes wrong.

What are the insurance requirements for gyms?

As for all businesses, the insurance you need for your gym will depend on the individual risks you face. The only cover that’s a legal requirement is employers’ liability insurance, which is usually compulsory if you have any members of staff. These are some other covers worth considering:

• Public liability insurance is key for most gym owners, as it covers you if someone is injured or their property is damaged and your business is held responsible. The insurance can pay compensation costs and legal fees, up to the limit of your policy. We offer between £1 million and £10 million of cover
• Business buildings insurance and business contents insurance can pay to repair or rebuild your business premises if damaged or destroyed by something like vandalism, fire or flood
• Business equipment insurance can pay for repair or replacement of your gym equipment if it’s lost, stolen or damaged

The average insurance claim for a gym is £5,026 – could you afford this if the worst happened? (Average claim being £5,026. Based on data from 21 November 2018 - 20 November 2019, for comparison only. Cancellation charges may apply, please refer to our full terms & conditions.)

Why Simply Business?

• We're one of the UK's biggest business insurance providers
• All settled claims paid within 24 hours
• 9/10 Feefo ratings say we’re good (or excellent)
• 600,000 customers (and counting)
• Claims handled by an award-winning team
• We run things from an expert, UK-based contact centre

Need more details? Hear more about your business cover options from our expert team in a quick set of videos. Just choose the cover you’re interested in and get some expert insight into how each option can help your business. You can also check out our business insurance FAQs.