Like all businesses, running a gym comes with certain risks. In particular, the threat of injury to customers in a gym is higher than with most other public spaces. Some of those risks can be dealt with, but no matter how good you are at what you do and how careful you are, the unexpected can still happen and that can result in your business incurring financial losses.
Whether you have a traditional business, a boutique fitness studio, or a state-of-the-art exercise complex, insurance protects your business when these unfortunate situations arise. What’s more, if you offer additional services such as metabolic fitness, yoga and HIIT, you may not get the specific protection you need with a generic insurance policy. This underlines just why getting a bespoke policy with us is so useful.
Our gym and health clubs insurance protects owners, members of the public and staff against a range of risks and liabilities. This includes everything from injuries to customers and employee disputes, to theft, fire, vandalism, or natural disasters that damage the building itself and/or your equipment.
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.
Insurance for gym insurance cover is typically bought as a package featuring a number of different covers. At Salon Gold, our comprehensive packages help to protect your business, regardless of the situation. As standard, we offer public liability, product liability, treatment risk and financial loss cover, all of which are crucial covers for those in the fitness industry.
Public liability insurance is the foundation of any policy, and safeguards you should your work activities cause injury or property damage to a third party. As you’ll be in contact with your customers at almost all times in your premises, public liability cover is an essential cover.
Meanwhile, product liability insurance protects you if a product you supply causes personal injury to a client, whereas financial loss safeguards you if a mistake causes a client to incur a financial loss. We can also include optional covers in your policy for added extra protection, such as legal expenses, personal accident and contents cover for your fitness and workout equipment.
Here at Fitness Gold, all of our packages are bespoke, allowing our clients to get on with their jobs without worrying one mistake will be terminal for their business.
Arguably the biggest reason gym owners need insurance is to protect themselves from liability claims. If a member or visitor sustains an injury on the premises and believes it resulted from negligence or unsafe conditions, they may file a compensation claim against the business owner. Our insurance helps cover the legal fees and potential compensation costs associated with such claims, protecting the owner’s assets and business operations.
Furthermore, insurance for gyms and fitness clubs can safeguard owners from damage to the premise’s property or equipment. This ensures that they can recover quickly and continue serving their members without bearing the full financial burden of rebuilding or replacing essential assets.
Find out which insurance policy is right for your 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 quoteIf you work mobile or freelance in the Gym 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!
Our Fitness Gold policy (for gyms) is a complete package that has been designed for your industry. Cover can include the following:
Gym and health club insurance comes in many shapes and sizes, but the most important covers to have are public liability insurance and malpractice insurance. Fitness Gold’s policy for mobile and freelance instructors includes these automatically along with a few others like products liability and legal expenses insurance. A more comprehensive insurance policy will include covers attached to it, such as buildings insurance, cover for loss of profits, third-party cover and contents cover for gym equipment and other items.
The cost of your gym’s insurance policy varies significantly depending on factors like:
Your business is safeguarded from the moment you choose your coverage with Fitness Gold to start.
If you think you need to make a claim on your insurance, contact us straight away. We will work through the claims process with you and help you get a settlement. You can also go to our Make a Claim page to begin the process.
