Gyms, health clubs, spas and fitness classes - for owners and managers of these and other fitness businesses, QuoteRack gives you access to specialist business insurance from one of the UK's leading gym insurance specialist brokers. You can compare cover, cost and quotes by completing our simple online form.
The fitness industry covers a wide range of businesses, each of which require their owners or managers to have the right insurance cover in place. Your members will assume that they - and you - are covered for any slips, trips or injuries that might occur while they are working out in your gym or health club.
What type of fitness clubs can be insured?
Our insurance broker partners are happy to offer you quotes for the following types of gym, fitness and health business insurance:
- Gym insurance
- Health club insurance
- Fitness club and class insurance
- In-house exercise instructor insurance
- Yoga club insurance
- Pilates club insurance
- Spinning club insurance
- Beauty spa insurance
- Leisure centre insurance
- Health farm insurance
This list is not exhaustive, so if your particular type of fitness-related business is not shown here, please complete the online form to discuss your insurance requirements.
What Type of Insurance do I Need for a Gym?
Depending upon the scale of your gym, fitness or health club, the following types of business insurance are the most likely to be relevant to you:
Public liability insurance - this effectively covers members of the public, most likely members of your gym, for any injury that might befall them while on your premises. In particular relation to fitness centres and health clubs, this can include lifting injuries sustained when using your weights and other fitness machines.
Employers liability insurance - unless you are a one-man band, if you have employees then UK employment law requires you to have in place employer's liability insurance. Again, this protects you in respect of any claims made against you, this time by members of your own staff, including part-time workers, personal trainers etc.
Buildings insurance - if you are responsible for the care and repair of your gym's buildings, then it would make sense to consider having buildings insurance in place. It's likely that it will be a requirement of your lease, so please check if you're expected to pay for the insurance.
All-risks insurance - you will probably have some fairly expensive exercise machines in your gym or health club, as well as weights and more general sports-related equipment. These can be covered under an all-risks section of your gym insurance policy.
Contents insurance - this will cover the usual office contents that comes with running most types of business. Protection against loss or damage to your business's contents, of whatever sort, can be included in your overall business insurance package, as required.
Health and beauty treatment insurance - do you offer personal health and beauty treatments on site, and/or sell relevant lotions and potions to your members? If one of your members has an adverse reaction to a treatment carried out on your premises, insurance can be included that will cover you against claims of professional negligence.
Business interruption insurance - if the worst happens and you are unable to continue running your gym or health club for a period of time, your insurance policy can include what is effectively 'loss of earnings', enabling you to continue to cover your overheads while the issue, whatever it might be, is addressed.
How Much Does Gym Insurance Cost?
There is a multitude of possible factors that will affect the premium you are quoted for your gym insurance policy. Considering the various types of insurance detailed above, as well as others that might be relevant to your particular gym or health club insurance policy, the best way to secure the right policy for you is to discuss your insurance requirements with an insurance broker who specialises in gym insurance and other, fitness-related businesses. It's best to shop around, compare the cost, cover and quotes that you receive from a handful of insurance brokers before you decide to go ahead. QuoteRack partners with an FCA authorised and regulated UK insurance broker who has been specialising in gym and health club insurance for many years and will be happy to discuss your insurance requirements without cost or obligation.
How Do I Get a Quote for Gym Insurance?
It's best to talk direct to the experts when it comes to discussing the best gym and health club insurance for your business. QuoteRack partners with an insurance broker who specialises in the types of insurance products that are aimed specifically at owners and managers of gyms, health clubs and other fitness clubs and classes. To talk to them and get quotes for gym insurance, simply complete the brief online form by clicking the 'Get a Quote' button. Your details will be sent instantly to these brokers, who will contact you during business hours to take further details from you and to offer you appropriate advice, quotes and cover for your gym insurance policy.
Gym and Health Club Insurance FAQs
Are there more questions about Gym Insurance weighing on your mind? We're here to help!
Here are some of the more frequently asked questions along with the answers you're looking for.
If you are offering fitness, weight-training or other personal exercise services to members of the public, either directly or in your own gym or health club, you should consider putting appropriate levels of business insurance in place. The time to find out if you need gym insurance is before something goes wrong...
The cost of gym insurance will depend on many factors, such as the size of the gym or fitness club or class, the types of services you offer to your clients and members, your business's turnover, number of staff and your location. Generally speaking, smaller gyms will pay less than the larger fitness clubs that offer a wider range of fitness activities.
If your gym or health club offers some of the more higher-risk activities shown below, it's possible that these will be reflected in the premium you can expect to pay:
Martial arts classes
Indoor rock wall-climbing
Swimming pools, steam rooms and jacuzzis
Group fitness classes
This is why having public liability insurance is a good idea. Depending upon whether you are considered to be liable for their injury, your PL insurance policy is there to cover medical expenses and legal costs, should the matter go that far.
It is a UK legal requirement for you to have in place employer's liability insurance. This covers you and your staff, including those that work part-time, should they be injured while working for you.
As with any financial service, it pays to shop around and compare the range of quotes that you receive. Research can take some time but it can also save you money - as well as a lot of hassle in the long run, should anything go wrong and you end up having to make a claim. Whoever you insure your gym or health club with, make sure the insurer provider is reputable and check out their claims service.
As your fitness business expands, if you intend offering additional facilities or increase your club membership, your insurance broker will guide you through the process of extending your business insurance policy to cover the changes in your business.
Business interruption insurance, or 'loss of earnings insurance', is an option available to you and can be included in your quote for your gym insurance policy.