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Gym Insurance

Tailored cover for gyms, fitness clubs, work out studios, yoga clubs and spinning studios.

  • Include stock, office, kitchen and healthcare equipment in one policy
  • Get employers liability cover for a mixture of temporary, part time and full time staff
  • Protect your revenue with bespoke business interruption cover based on your total membership income

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

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

0344 892 1664
0344 892 1664

Mon-Thu 8:30am-5.30pm, Fri 8:30am-5.00pm
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Gym insurance features

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 employers' 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

In the event of a claim please give us a call and we will talk through your claim and help guide you through your next steps in the process.

Need to make a claim?

Give us a call and we’ll help settle your claim:

0330 1235 740

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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Starting an online business

It's never been easier to take the plunge with an online business. All it takes is one brilliant idea, the guts to take the risk and a little bit of capital. Here's our guide to setting up yours...

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Dog Days Out: Perfect Places to Take Your Pooch

When you've added a new furry friend to the family the last thing you want to do is leave them behind when you go off on a day out. Thankfully there are lots of places you can take the whole family, so we've put together a list of dog-friendly days out that your pup may enjoy even more than you!

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 personal trainers)

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.

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.

Can I pay in instalments?

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.

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