Gym Insurance

Gym Insurance

Easy as 1, 2, 3 – Gym insurance quickly, with instant cover.

Gym Insurance by industry experts

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 gym, a boutique fitness studio, or a state-of-the-art exercise complex, gym 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.

What does our gym insurance cover?

Our gym insurance covers owners for a range of risks and liabilities, including everything from injuries to customers and employee disputes, to theft, fire, vandalism, or natural disasters that damage the gym and/or its equipment.

  • Public liability insurance
  • Products liability insurance
  • Treatment risk insurance
  • Financial loss cover

What is gym insurance?

Gym insurance is typically bought as a package featuring a number of different insurance covers. At Salon Gold, our comprehensive packages help to protect your gym 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 insurance 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 gym, 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 gym 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.

Why do you need gym insurance?

Arguably the biggest reason gym owners need insurance is to protect themselves from liability claims. If a gym 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 gym owner. Gym 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 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.

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.

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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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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

“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!

Personal Trainer Insurance FAQs

What covers are included under the Fitness Gold package policy for gyms?

Our Fitness Gold policy (for gyms) is a complete package that has been designed for your industry. Cover can include the following:

  • Buildings
  • Contents
  • Computers
  • Stock
  • Fixtures & Fittings / Tenants Improvements
  • Breakage of Glass
  • Money & Assault
  • Stock and goods in transit
  • Business Interruption (Loss of Profits)
  • Public Liability
  • Malpractice Insurance
  • Employers’ Liability
  • Personal Accident (for Hands)
  • Legal Expenses
  • Terrorism
What insurance do I need to run a gym?

Gym 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 gym insurance will have more covers attached to it, such as buildings insurance, cover for loss of profits and contents cover for gym equipment and other items.

How much does gym insurance cost?

The cost of gym insurance can vary significantly depending on factors like:

  • The size of the gym
  • The gym’s location
  • The gym owner’s claims history
  • The gym’s security measures
  • The services offered
  • The number of members
  • The specific insurance coverage required
When will my gym insurance start?

Your gym is safeguarded from the moment you choose your insurance policy with Fitness Gold to start.

How do I make a claim on my insurance policy?

If you think you need to make a claim on your insurance policy, 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.

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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