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Health and fitness insurance

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Based on 39,717 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 claims work?
  • FAQs
  • Helpful articles

Insurance for fitness business – why is it important?

When you work in health and fitness, you'll be working with clients day in, day out – insurance can protect against the various risks you face. Would you have the funds ready to cover a claim? Our policies start with public liability insurance for third party accidents and injuries – then you can build from there.

  • rated 4.7/5 based on 39K+ public liability customer reviews
  • fitness business insuranceonline, from quote to claim
  • optional personal accident cover for your own injuries, or anyone on the policy

Start your quote

What does health and fitness insurance cover?

Public liability insurance is usually a key cover for many businesses. It protects your business against compensation claims if a member of the public gets injured or loses out financially. Beyond that, tailor your policy to your needs as a health business, adding covers as you need them.

Public liability insurance

In case your business and products cause an injury or property damage.

What’s typically covered by public liability insurance for fitness business?

Claims against your business for:

  • damage to someone else’s property while you’re working, or because of your work
  • injury to someone as a result of your work
  • accidental injuries caused by your employees at work

For example:

  • you’re with a client and you accidentally spill coffee onto their designer handbag, causing a permanent stain
  • your client trips over your laptop charger cable while you’re setting up for an appointment, breaking their wrist
  • <span style='font-size: undefined;'>your employee damages a neighbouring business’s property while bringing equipment into your premises</span>

**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 fitness business

What’s typically covered by employers’ liability insurance?

Claims against your business for:

  • injuries to staff (including casual labourers and contractors) that are caused as a result of your business
  • illness suffered by an employee (including temps and casual workers) caused by working for you

**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 office manager breaks their finger while trying to close a faulty window at your business premises
  • your receptionist trips over a cable running across the floor of your office, breaking their ankle
  • a temp worker scratches their arm on one of your tools, and the injury becomes infected

Contents insurance

In case something happens to your fixtures, fittings, or operational equipment.

What’s typically covered by business equipment insurance?

Claims against your business for:

  • accidental damage or destruction caused by flood, fire, theft, or vandalism
  • cover for your contents, up to the insurance level you’ve selected

For example:

  • your bespoke wooden display units and decorative items are damaged by flooding, and need restoring or replacing
  • a fire causes serious damage to your premises, and you need to replace all your office furniture
  • someone breaks into your business premises and steals the office printer

Read more about business equipment insurance

Business legal insurance

In case you’re hit with legal expenses connected to your health business.

Claims against your business for:

  • costs and expenses for disputes relating to debt recovery, including judgement enforcement
  • disputes with debt collectors, or any party who takes legal action against you, as a result of identity theft
  • costs and expenses for contractual disputes arising from an agreement

For example:

  • one of your clients isn’t happy with your work and believes you haven’t met the contractual requirements
  • someone gets access to your company’s bank details and uses them to buy goods and services
  • your client is disputing a contract they had with you on the provision of a service

Read more about business legal insurance

Personal accident insurance

In case anyone you’ve covered is accidentally injured, at work or off-duty.

What’s typically covered by personal accident insurance?

Claims against your business for:

  • if someone named on the policy is accidentally injured or dies while at work or elsewhere
  • any hospitalisation benefit or medical costs, plus lost income

For example:

  • you fall off a ladder while decorating your home, breaking your elbow
  • a member of staff, who’s named on the policy, dislocates their shoulder while playing tennis and can’t work to full capacity
  • an insect bite you got on holiday becomes infected and you need to take time off work for hospital treatment

Read more about personal accident insurance

Stock insurance

In case something happens to your products and consumables.

What’s typically covered by stock insurance?

Claims against your business for:

  • the cost of replacing the stock you use to run your business
  • stock that’s been destroyed, lost, stolen, or damaged
  • stock includes food and drink products as well as branded materials and sellable items

For example :

  • your stockroom gets vandalised – products you need to operate are stolen and damaged
  • a fire caused by faulty electrics spreads to your stockroom and destroys sellable items
  • a leaking pipe floods your business premises, destroying stock that you intend to sell

Read more about stock insurance

Tool insurance

In case your tools are lost, stolen or damaged.

What’s typically covered by tool insurance?

Claims against your business for:

  • accidental damage to specialist business equipment
  • theft of the tools you use to do your job
  • loss of your tools and equipment

For example:

  • your business tools are damaged in a fire or flood
  • your equipment is stolen while you're on the job
  • you lose your tools and equipment while travelling

Read more about tool insurance

Excess insurance

In case you need to make a claim on your insurance policy.

What's typically covered by excess insurance?

Claims made by you for:

  • the cost of the excess you’d have to pay when making a claim on a cover included in your business insurance policy

For example :

  • strong winds cause severe damage to the roof of your property – you don’t have to pay the £250 excess thanks to your excess insurance
  • a guest accidentally breaks a television during their stay at your property and thanks to your excess insurance, you don’t need to pay excess on the claim
  • a guest’s child trips on a loose carpet and breaks their arm – they claim compensation and you don’t pay excess due to your excess 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 health and fitness business 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.

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

No excess

£750

Employers' liability

No excess

No excess

Contents

£200

£4,000

Stock

£200

£4,000

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 insurance claims work for fitness businesses?

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 team 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.

Chosen by 900,000 small businesses and landlords

We started out as a team of 5 back in 2005. We’ve grown since then with 900,000 customers across 1,500 trades now trusting us to provide their insurance.

  • Compare and buy in minutes

    Documents arrive today

  • Rated 4.7/5

    Based on 39,717 reviews

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Health and fitness insurance FAQs

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 insurance for off licences. You can also check out our business insurance FAQs.

  • Yes. You may start offering additional services that require you to use different skills or carry out different tasks. If you find yourself in this situation, it’s important to give us a call on 0333 0146 683 to update your policy before you take on this new work.

    If you don’t have the correct type of cover in place for the work you do, you may be unable to claim on your policy if something goes wrong.

  • 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.

  • You can choose the payment type that suits your business and cash flow best. Some customers prefer to pay in one go, while others prefer to pay a regular monthly amount, like you do with lots of other bills. Simply Business offer three ways to pay for your policy:

    • one-off credit or debit card payment
    • BACS payment
    • Direct Debit

    If you choose to pay by Direct Debit, our credit provider, Premium Credit, pays Simply Business the full amount for your policy up front. You then repay Premium Credit in 10 monthly installments.

  • 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

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