Health & Fitness Insurance

Instant comprehensive cover for your health and fitness business

Solid, Affordable Health & Fitness Insurance

Working 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.


With Fitness Gold, we also offer some optional covers that you might wish to add to your policy. These include employers liability insurance, which is a legal obligation if you employ staff in your health or fitness business. You may also choose to add personal accident cover, or stock and equipment cover. You can add any extra covers that you want, but you don’t end up paying for covers you don’t need.

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!

*This price is for a £3m public, products and professional treatment risk liability cover (up to £5m available) and £10k financial loss cover for a sole trader. It includes insurance premium tax and our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.
from £61.00* per year

What’s included

  • £3m Public Liability, Products Liability and Malpractice Cover (up to £5m available)
  • £10k Financial Loss Cover
  • Insurance Premium Tax
  • Our Admin Charge

Which type of Fitness Gold policy do I need?

Find out which insurance policy is right for your business by clicking below.

Health & Fitness Insurance FAQs

Why should I arrange my insurance with Fitness Gold?

The benefits of arranging your insurance with Fitness Gold include:

  • We understand your business. Our Fitness Gold policy has been designed for your industry.
  • Our rates are extremely competitive.
  • Our policy covers are some of the widest around.
  • We have provided protection for more than 50,000 customers over the years.
  • We do not use call centres and are on hand to assist you with any queries you may have.
  • We will work with you to support you in the event of a claim

Am I covered for teaching or training others in my chosen activities?

This is not included as standard. However, providing you hold a UK recognised teaching qualification, the policy can be extended to include this.

What is the difference between gym insurance and freelance insurance?

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.

How much is insurance for health & fitness instructors?

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 will my health and fitness insurance start?

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.

Which insurers do you use?

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.

How do I decide which type of policy to choose?

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 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.

Are you authorised by the Financial Conduct Authority?

Yes, Fitness Gold is a product of Henry Seymour & Co (Barkdene Ltd) which is authorised and regulated by the Financial Conduct Authority.

"Will qualifications affect my insurance?"

Talking 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

Teacher Or Student Cover

Do you train other professionals to become instructors in your chosen activity? Our Teacher Training insurance is an extra optional cover. Just add it to any of our freelance hair, beauty, holistic or health & fitness policies. And we offer student insurance — at special student rates!

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