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Gym Insurance

We can offer tailored cover for gyms, fitness clubs, work-out studios, yoga clubs and spinning studios

  • Sports and gym equipment, weights, stock, office and kitchen areas included in one policy
  • Water-based activities and gym equipment can also be covered
  • UK-based support
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Why choose gym insurance with Towergate?


Employers' liability cover for gyms

Employers’ liability insurance for temporary, part-time and full-time staff.


Business interruption cover for gyms

Protect your revenue with bespoke business interruption cover based on your total membership income.


Dedicated gym claims service

Experts claim handlers to give you peace of mind.

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Pay for your gym insurance by Direct Debit

You can choose to split your payment into 10 monthly instalments. Please read our dedicated page on Direct Debit.

About gym insurance


Cover for both new and established gyms

Experience tells us that long-standing businesses are lower risk. However, no matter how long you’ve been trading, we can offer advice to help you get the right cover and reduce your risks. For example, did you know you’ll need to have your lifting equipment inspected periodically to meet health and safety regulations? We can help you arrange this inspection service. Naturally, all premiums and rates are dependent on risk and business factors.


Gym equipment and stock insurance

We know that the modern gym isn’t just a few dumbbells and machines. Modern equipment often links to computers and office equipment, with sound and audio-visual equipment to create the right mood and fitness environment. We can cover stock (e.g. protein shakes and supplements) as well as kitchen and health care equipment. The good news is, provided you tell us about everything you’d like covered, we can cover a huge range of contents under this package policy.


Build your policy around your business

We build in a degree of flexibility so that you can get the right cover levels for you from the outset. If for example you start offering new treatments or activities, you will need to update us.

However, if you’re taking on more staff or your turnover has increased, we will review this at renewal and update your policy then. We can tailor cover to include activities away from your gym provided you give us full details when you set up your policy and cover is agreed.

When insuring your buildings and contents, this must be based on the current replacement values as new, to avoid 'under-insurance' in the event of a claim.


Employers' liability insurance for both full and part time staff

As a gym owner you will quite likely employ a mix of full and part time/temporary staff to run your classes and training sessions. If this is the case, you can rest assured that your staff, as an employer will be covered under the employers' liability section of cover. The standard limit for employers' liability is £10m and meets your legal responsibilities.

When you need to make a claim, we'll guide you through the process and get your claim settled as quickly as possible.

  • Find your insurance documents and make sure you have all your information at hand, including your policy number.
  • Call the claims team on 0344 892 1384 and explain exactly what happened.
  • Provide photos if requested to help us understand what happened as quickly as we can.
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Ready to get covered?

  • Fill in our online quote form or call us
  • Purchase your policy
  • Relax - You're covered!
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Gym insurance FAQs

Yes. We can cover you if you have a pool, a hot tub, jacuzzi, run aqua aerobic classes and more. Please advise us of the type of facilities, classes and activities you offer.

Yes. We can extend cover to included saunas and steam rooms where you'll need public liability cover to protect you against potential claims from your members. Cover limits start at £1 million and popular levels rise to £10 million, with higher options available.

Yes, we can extend your cover to include these activities. Please ensure you provide full details of the treatments, products and services you provide to our adviser, so that we can tailor appropriate cover for your business.

Our cover protects you for accidental damage caused by a variety of visitors who use your premises. Let us know if you can think if there is anything out of the ordinary who might cause damage and we’ll do our best to cover you. Unfortunately, insurance policies won’t include cover for general wear and tear.

It is an important factor and we use insurers with A-ratings as determined by companies such as Standard & Poor's, A M Best, Moody's or Fitch Ratings. This is a globally recognised measure of an insurer's financial situation and provides confidence on their ability and allows you to predict their ability to meet on-going policy obligations.

If you have any concerns about whether this may affect your business or have any questions around the rating of an insurer speak with one of our advisers.

To help you spread the cost of your premiums, we offer a quick and easy direct debit scheme for spreading payment over ten months. Please visit our dedicated Direct Debit page to find out more.

If you would like to know more about our monthly payment option, please visit our dedicated Direct Debit page.

Read more FAQs

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