Health & Fitness Insurance

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.

What’s included…

from £56.00* per year
* This price is for a £3m public, products and malpractice cover (up to £5m available) and £10k financial loss cover for a sole trader. It includes insurance premium tax and excludes our admin charge. ALL customers will pay this amount UNLESS they choose to take out additional optional covers or treatments which are priced separately.

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!


Which type of Fitness Gold policy do I need?

Find out which insurance policy is right for your business.


Are you a Student?

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Based on the information provided we would suggest our Student policy.

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Do you own or manage a gym or business premises that allows access to the public (excluding studios based at home)?

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Based on the information provided we would suggest our Complete Salon/Business Package to correctly insure your public liability.

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Are you employed by a gym or business owner?

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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.

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Do you rent a space in a gym or work on a freelance or mobile basis in the fitness sector?

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy which will cover you to work anywhere in the UK.

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Do customers visit you at home for their fitness session?

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Based on the information provided we would suggest our Freelance/Mobile/Self-Employed policy and include our “Business at Home” extension.

Get a quote
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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 quote
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Health & Fitness Insurance Treatments

We provide cover for a wide range of treatments in the health & fitness industry. You will be covered in the event that an activity you provide causes injury, damage or illness. For example injury sustained during an exercise class.

You will automatically be covered for all activities listed under the relevant trade category below providing you hold a suitable qualification for any activities carried out.

Gym Instructor

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Descriptions of coverAutomaticOptional
Aerobics InstructorsYesNo
Aqua ZumbaYesNo
Body Conditioning / Swiss BallYesNo
Body Training SystemsYesNo
Chair Based ExerciseYesNo
Cheerleading (excluding acrobatics)YesNo
Circuit TrainingYesNo
Dance based exerciseYesNo
Exercise in the waterYesNo
Fitness fxYesNo
Friskis and SvettisYesNo
Fust JhoomYesNo
General Exercise Class including those using equipmentYesNo
Golf BiomechanicsYesNo
Group Studio CyclingYesNo
Gymnasium InstructorsYesNo
Hula Hoop classesYesNo
Indian Club swingingYesNo
Junior FitnessYesNo
Martial Arts based fitness (no body contact)YesNo
Non-contact KickboxingYesNo
Nordic WalkingYesNo
Personal TrainingYesNo
Salsa DancingYesNo
Sports Massage (not in isolation)YesNo
Street Dance InstructorYesNo
TRX training systemYesNo
Tai ChiYesNo
Thump BoxingYesNo
Yoga including Chi-YogaYesNo
Zumba including Zumba based activitiesYesNo

Our Gym Instructor / Personal Trainer incl Dance / Yoga Instructors Cover

For Mobile & Freelance

If you work mobile or freelance in the gym instructor / personal trainer incl dance / yoga instructors sector, our specialist policies provide all the cover you need at some of the best prices around.

Freelance covers

Our Gym Instructor / Personal Trainer incl Dance / Yoga Instructors treatments

The 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 page

Do you own or lease a salon? Our salon insurance packages provide some of the widest covers available.

Salon covers

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 or from the date you choose cover to start.

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.  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 Barkdene Ltd (Henry Seymour & Co) 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 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!

Health & Fitness Insurance Related Articles

This website is intended for customers based in the UK and is therefore subject to the UK regulatory regime(s). © Copyright 2024 Salon Gold | Salon Gold, Holistic Gold, Counselling Gold, Fitness Gold and Henry Seymour & Co. are trading names of Barkdene Limited which is authorised and regulated by the Financial Conduct Authority (FRN 303965) for our insurance distribution and credit broking activities. Barkdene Limited is a credit broker not a lender. You can check this on the Financial Services register. Registered in England No 1842617. Registered Office – Chancery House, St Nicholas Way, Sutton, Surrey, SM1 1JB. All rights reserved.
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