Gym Insurance

We can cover gyms, fitness clubs, work out studios, yoga clubs and spinning studios without even breaking a sweat.

  • We offer public liability to protect your business if (due to your negligence) your clients injure themselves while using your gym - £1-10 million limits available
  • We can help advise you on topics such as health and safety and offer suggestions as to how you may keep your business safe for your clients and meet your legal responsibilities
  • Our business interruption cover reimburses you based on your total membership income to suit your business model

Hit the ground running - enquire online for a gym insurance quote.

Get a quote

Got a few questions for us? Give us a call and we'll do our best to answer them.

0330 1235 740
0344 346 0409

We’re here for you Mon - Thu 8:30am - 6.00pm, Fri - 8:30am - 5.30pm
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We'll help you work out the best cover for your gym but here are a few of our gym specific cover options.

Old and new businesses alike can benefit from Towergate

Experience tells us that long standing businesses are lower risk. However, no matter how long you’ve been trading, we can offer advice along the way to help get the right cover and reduce your risk. 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 get this done. 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. Often there’s other office equipment (including computers and other electronics), stock (e.g. protein shakes and supplements) and sometimes even 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 policy. We do need to say however, our cover is subject to certain minimum security requirements.

Build the elements of your policy around what you need

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. In terms of your buildings and contents cover, we recommend that you base this on the current replacement values to avoid 'under-insurance' in the event of a claim.

Employers liability

As a gym owner it’s likely that you’ll have a mixture of full and part time/temporary employees to run your classes. If this is the case, you can rest assured that all employees under your supervision and control as an employer will be covered as part of the employer’s liability aspect of your policy. We can offer £10 million employers liability cover to make sure you’re well within the legal requirement of £5 million cover.

These are just some of the key features and exclusions, full details will be found in your policy wording. Show policy documents

Gym Insurance Claims

If and when it comes to the crunch and you need to make a claim, we have an in-house team who work hard to understand all the details of your claim then get these to the insurer to get your claim resolved as quickly as possible.

If there are any complications with your claim, we’ll follow this up with the insurer and keep you updated with the progress of your claim.

Need to make a claim?

Call us or email us with; your policy number, a phone number to reach you on, details of your claim and photos where possible and relevant.

0844 892 1384

Gym Insurance Articles & Guides

It's a jungle out there. To help you through it, we publish a series of guides with helpful tips and advice for a range of businesses.

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Gym Insurance FAQs

Can I be covered for water based activities and gym equipment?

Yes. We can cover you if you have a pool, a hot tub, jacuzzi, aqua aerobics class and more. Please advise us on what facilities you have and the activities which take place in them. We’d love to be able to include absolutely anything however, even we have our limits please feel free to challenge us but there are some things we can’t do.

I also have spa equipment on my premises – can I be covered for these too?

Yes. We can extend cover to include saunas and steam rooms where you’ll need public liability cover to protect you against potential claims from your clients. We can offer limits between £1 and £10 million.

Can I get cover if I offer additional treatments like massages?

Yes we can extend your cover to include these activities. Please ensure you provide full details of your additional treatments to your adviser so that we can tailor appropriate cover for your business.

Does it matter who damages my gym equipment/buildings? E.g. (my staff, clients, third party PTs)

Our cover protects you against damage caused by a variety of people who use your premises. Let us know if you can think of anyone out of the ordinary who might cause damage and we’ll do our best to cover you. Unfortunately we can’t cover wear and tear.

Is the financial rating of an insurer an important factor?

As the system measures an insurer’s financial situation, allowing you to predict their ability to meet ongoing policy obligations, it is an important factor.

Also, there are a number of main contractors that will not sub-contract works to any companies not insured with an insurer with a minimum of an A-financial rating (as determined by established ratings companies).

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 advisors.

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