Gym insurance

Running a gym or fitness club can be a complex business but it serves an amazing purpose by helping your clients achieve their fitness goals and by providing them with a space to enjoy and challenge themselves. If you are hosting events, running fitness classes or allowing customers to use your gym facilities you will need to ensure that your gym members, staff and suppliers are safeguarded against unforeseen events that could lead to claims being made against you.

Having an insurance policy that fits the needs of your business helps to give you the peace of mind that should something unfortunate happen you are protected and can return to serving your customers as quickly as possible.

Usually, gym insurance can cover your premises and equipment, as well as your clients and your staff. Covers you should consider include:

• Public liability – for injured visitors or damage to their property.
• Employers’ liability – to protect your employees.
• Personal accident – provide valuable benefits and financial support for business owners.
• Professional indemnity – to protect against claims of professional negligence, errors, or omissions in their services or advice.
• Buildings cover – to cover for loss or damage to your premises.
• Equipment, contents and stock – to reinstate your items and belongings.
• Tools, Plant & equipment cover – to protect any specialist equipment.
• Specified all risk cover – to protect specific company items.
• Business interruption – to keep finances running when disaster strikes.
• Money cover – for theft or attempted theft.
• Business legal expenses – to cover the cost of legal expenses.

More information

The cost of gym insurance can vary depending on a number of factors, including the size and location of your gym or fitness centre, the level of cover you need and the demands of the cover. We always recommend that business owners get quotes from several insurers to compare the best cover for your needs. At Premierline we can help by comparing quotes from some of the UK’s top business insurers. We will consider your insurance needs to ensure that your policy continues to meet the changing needs of your gym.

We’ve helped a number of organisations in the sports and leisure industry find the right insurance to meet their needs, and we can do the same for you. Our insurance experts are on hand to talk through your requirements and find tailored covers to meet your needs.

Here are just some of the common types of fitness businesses we work with:

Gyms, health clubs, fitness centres, leisure centres and fitness consultants.

Here at Premierline, we’ll search the market to help you find the most suitable cover for your business. We understand that every business is unique and requires a tailored approach to insurance, just like your customers do for their fitness regimes. That’s why we work closely with a number of trusted insurers to help you find the right cover at the right price for your gym.

Try to have your existing insurance schedule and renewal notice available as this will give us the majority of the information that we will need. However, if you are a new business, don’t worry – our business insurance advisors will be able to guide you through the process of understanding and identifying your insurance needs.

We will email your policy documentation to you which means you will receive these straight away. Alternatively, if you would prefer your documents to be posted, you will normally receive them within 5 working days.

You can pay annually using a credit/debit card or by making an electronic payment. Alternatively you can manage your payments through a monthly Direct Debit plan with our approved premium finance provider, Premium Credit Limited.