Comprehensive Health & Fitness Insurance Tailored for Your Business
Get a QuoteWorking in the health and fitness industry naturally means you’ll be working closely with clients and members of the public. Having the right cover in place is vital to protect yourself if you’re faced with a client who suffers an injury as a result of a service or advice that you offer them and then decides to sue you for compensation.
Dependable insurance doesn’t have to break the bank. Our Fitness Gold policy (one of the Salon Gold family of policies) offers a selected package of covers to protect you against the risks you face in the course of running your health or fitness business. You can rest assured that it provides full liability cover and you’ll be surprised how affordable it is.
Insurance provided by a Standard & Poor’s A (Strong) rated insurer.
We’ve been working with businesses like yours for over 40 years.
Tailor-made insurance policies, made for specialists, by specialists.
Our comprehensive Insurance packages are tailored to address the specific needs of fitness professionals in this discipline.
Here’s what’s included in our standard coverage:
With Fitness Gold, we also offer some optional covers that you might wish to add to your policy. You can add any extra covers that you want, but you don’t end up paying for covers you don’t need. Some of our optional cover include:
This is a legal obligation if you employ staff in your health or fitness business.
This cover will provide you with financial support if you cannot work due to injury
Provides protection for your valuable fitness equipment and stock against theft, loss or damage
As a general rule, employers should have insurance that covers all their members of staff, so if you’re working for a professional health and fitness establishment, such as a gym, then check that this is the case and you shouldn’t need to take out additional insurance yourself.
However, if you’re self-employed, or if you’re employed but you do extra freelance work, then you will need to hold your own insurance policy.
At Fitness Gold, we include Public Liability, Product Liability, and Malpractice Insurance as standard covers, up to a maximum of £5 million. Our affordable rates mean that you can easily protect yourself from a huge range of issues which could leave you and your business exposed to substantial claims and hefty legal costs.
Use our easy online quote tool to build the insurance policy that’s just right for you. Quick, simple and you’ll be covered instantly!
No matter how long you have been in the health and fitness industry or how careful you are, accidents can happen. Without insurance protection, you will be personally liable for any compensation claims made against you. If a client were to be injured during a fitness session, they may seek damages. The cost of compensation claims can be huge and, even if you have done nothing wrong, it can cost thousands just to defend your reputation in the event of any allegations of wrongdoing.
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We provide cover for a wide range of treatments in the hair & beauty industry. You will be covered in the event that a treatment you provide causes injury, damage or illness. For example injury caused by a wax burn or a reaction to a hair colour treatment.
You will automatically be covered for all treatments listed under the relevant trade category below providing you hold a suitable qualification for any treatments carried out.
We believe quality protection shouldn’t break the bank. Our Health & Fitness Insurance starts from just £56.00 per year for comprehensive coverage, including £3million in public liability, products liability, and malpractice insurance, and £10,000 in financial loss cover.
Insurance only proves its worth when you need to make a claim. Our dedicated claims team guides you through every step of the process, advocating on your behalf and ensuring fair treatment. We pride ourselves on our high client satisfaction rate during claims handling.
We offer instant cover with immediate documentation. Whether you’ve just been offered a last-minute teaching opportunity or suddenly realised your existing policy has lapsed, we’ve got you covered within minutes.
Your health & fitness business will evolve over time, and your insurance should adapt accordingly. Whether you’re expanding to multiple locations, hiring staff, or diversifying your class offerings, our flexible policies can be modified to provide continuous protection without gaps in coverage.
Finding the right policy type is crucial for ensuring you have appropriate coverage without paying for protection you don’t need. Our interactive policy chooser helps identify the perfect fit for your health & fitness business.
Are you a Student?
Do you own or manage a gym or business premises that allows access to the public (excluding studios based at home)?
Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.
Get a quoteAre you employed by a gym or business owner?
Their insurance should cover you as an employee so based on the information provided we would only suggest our Freelance/Mobile/Self-Employed policy if you do your own private work.
Get a quoteDo you rent a space in a gym or work on a freelance or mobile basis in the fitness sector?
Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.
Get a quoteDo customers visit you at home for their fitness session?
Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.
Get a quoteBased on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.
Get a quoteThe benefits of arranging your insurance with Fitness Gold include:
This is not included as standard. However, providing you hold a UK recognised teaching qualification, the policy can be extended to include this.
If you are self-employed, freelance or mobile insurance is designed to suit you and will just cover your public liability (plus you can choose to add some optional additional covers such as stock and equipment). However, a gym package would cover your entire gym including your liabilities, your staff, your stock and contents, your glass, your loss of profits, stock in transit etc. If you have a premises, you really should choose a complete gym package to ensure you are fully protected.
The cost of your insurance depends solely on the cover you want. Our standard health & fitness insurance policy starts at £61.00 per year, and includes Public Liability, Products Liability and Malpractice insurance cover as standard. However, you can include additional, optional cover, such as Teacher Training Insurance, for an additional fee. Complete a quote online to find out more.
When you take an insurance policy out with Fitness Gold, you’re covered as soon as your purchase goes through. You don’t have to wait around for any paperwork, as you’ll be covered instantly or from the date you choose cover to start.
Our Fitness Gold policies are underwritten by Hiscox. Hiscox is an A rated insurer for financial strength and therefore has the ability to meet ongoing financial commitments.
When you complete the online form, we will ask you a range of questions about your business and you can choose the Fitness Gold policy type which meets your needs. Whilst we cannot advise which policy you should take, the online system should give you all the information you need to make your decision.
Yes, Fitness Gold is a product of Barkdene Ltd (Henry Seymour & Co) which is authorised and regulated by the Financial Conduct Authority.
If you work mobile or freelance in the Health & Fitness sector, our specialist policies provide all the cover you need at some of the best prices around.
Freelance coversThe Fitness Gold policy will provide cover for a wide range of treatments as standard providing all treatments are carried out by a trained and qualified operative.
Treatment pageDo you own or lease a gym? Our gym insurance packages provide some of the widest covers available.
Gym coversTalking about qualifications when trying to buy insurance for your business can be a bit daunting, but it doesn’t have to be! Here at Salon Gold, we know that there is often a lot of uncertainty over what qualifications you’ll need to be covered, so we’ve compiled all the information you’ll need to know in this handy guide
Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an optional cover. Just add it to any of our freelance hairdresser, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!
