Gym Insurance
Making Gains on your gym insurance
GymInsurance
Why Choose us?
SPECIALIST
Sport & Leisure Insurance is our core and our deep expertise ensures we navigate you to correct insurers, the right cover and a smooth claims process when called upon
SERVICE
We offer one point of contact throughout so any amendments, claims or questions you have go direct to contact - Email, phone our whatsapp - the choice is yours
INDEPENDENT
Whilst part of the FTC Insurance group, we are a truly independent broker. We are not tied to any insurer and work exclusively for your benefit.
HONEST PRICING
Buying insurance solely on price is tricky territory. We do everything to get good value on good, effective policies. We are honest and open with our costs and keep policy fees and interest rates for our clients very competitive
WE’VE GOT YOU COVERED
A policy with us ensures peace of mind , knowing you have placed it with specialists in your business and with you every step of the way!
TECHNOLOGY
As a group we have invested in AI technologies to help along the way, we do this to enhance your experience, but we always keep a real person just a conversation away
Why Choose us?
SPECIALIST
Sport & Leisure Insurance is our core and our deep expertise ensures we navigate you to correct insurers, the right cover and a smooth claims process when called upon
SERVICE
We offer one point of contact throughout so any amendments, claims or questions you have go direct to contact - Email, phone our whatsapp - the choice is yours
INDEPENDENT
Whilst part of the FTC Insurance group, we are a truly independent broker. We are not tied to any insurer and work exclusively for your benefit.
HONEST PRICING
Buying insurance solely on price is tricky territory. We do everything to get good value on good, effective policies. We are honest and open with our costs and keep policy fees and interest rates for our clients very competitive
TECHNOLOGY
As a group we have invested in AI technologies to help along the way, we do this to enhance your experience, but we always keep a real person just a conversation away
WE’VE GOT YOU COVERED
A policy with us ensures peace of mind , knowing you have placed it with specialists in your business and with you every step of the way!
We compare quotes from leading brands
We compare quotes from leading brands
What We Cover
Public Liability – Protection if a member or visitor is injured on your premises. Up to £10,000,000
Employer’s Liability – Covers claims from staff or trainers under your employment.
Professional Indemnity – For advice or instruction that leads to injury or loss.
Equipment Cover – Protection against damage, theft, or breakdown of gym gear.
Buildings & Contents – Cover for your premises, fixtures, and fittings.
Business Interruption – Compensation for lost income due to unexpected closure.
24/7 Access Risks – Cover tailored for unmanned or round-the-clock gyms.
Personal Trainer Cover – Includes on-site or off-site instruction liability.
Legal Expenses – Support for legal costs from disputes or claims.
Types of Fitness Facilities
24-Hour Gyms – Including key-fob or card-access facilities
Unmanned / Remote-Access Gyms – Tailored cover for staff-free environments
CrossFit & Functional Training Boxes – High-intensity risk coverage
Personal Training Studios – One-on-one or small group focused
Boutique Fitness Studios – Pilates, barre, HIIT, and more
Yoga & Meditation Studios – Low-impact environments, still covered for liability
Strength & Conditioning Facilities – Specialist equipment and coaching needs
Combat Sports & Martial Arts Gyms – Boxing, MMA, BJJ, and similar disciplines
Bodybuilding & Weightlifting Gyms – Heavier equipment, powerlifting areas
Hybrid Facilities – Gyms that combine multiple training styles or services
Leisure Centres - Including swimming Pools
Rock Climbing facilities
What Is Gym Insurance?
Gym insurance is a specialist business insurance package designed specifically for fitness facilities. Unlike standard business insurance, gym-specific cover accounts for the unique risks fitness businesses face — from member injuries and equipment damage to professional advice claims and unexpected closures.
A properly structured gym insurance policy typically combines:
- Public liability insurance — protects your business if a member or visitor suffers injury or property damage on your premises
- Employers' liability insurance — legally required if you employ any staff, including part-time coaches and cleaners
- Professional indemnity insurance — covers claims arising from coaching advice, training instruction, or exercise programming
- Equipment insurance — protects your machinery, weights, cardio equipment and specialist kit against theft, fire and accidental damage
- Business interruption insurance — replaces lost income if your gym is forced to close following an insured event
Why Use a Specialist Broker?
Standard business insurance regularly fails gym owners at claim time — because policies designed for offices and retail shops exclude coaching activities, strength training risks, and fitness-specific exposures.
As a specialist independent broker, Gym Cover compares the market on your behalf, identifies the gaps generic policies leave open, and places cover that actually reflects how your facility operates.
We are not tied to any single insurer. We work exclusively for you.
**Get a quote today — most gym insurance quotes are turned around within one working day.**
What We Cover
Public Liability – Protection if a member or visitor is injured on your premises. Up to £10,000,000
Employer’s Liability – Covers claims from staff or trainers under your employment.
Professional Indemnity – For advice or instruction that leads to injury or loss.
Equipment Cover – Protection against damage, theft, or breakdown of gym gear.
Buildings & Contents – Cover for your premises, fixtures, and fittings.
Business Interruption – Compensation for lost income due to unexpected closure.
24/7 Access Risks – Cover tailored for unmanned or round-the-clock gyms.
Personal Trainer Cover – Includes on-site or off-site instruction liability.
Legal Expenses – Support for legal costs from disputes or claims.
Types of Fitness Facilities
24-Hour Gyms – Including key-fob or card-access facilities
Unmanned / Remote-Access Gyms – Tailored cover for staff-free environments
CrossFit & Functional Training Boxes – High-intensity risk coverage
Personal Training Studios – One-on-one or small group focused
Boutique Fitness Studios – Pilates, barre, HIIT, and more
Yoga & Meditation Studios – Low-impact environments, still covered for liability
Strength & Conditioning Facilities – Specialist equipment and coaching needs
Combat Sports & Martial Arts Gyms – Boxing, MMA, BJJ, and similar disciplines
Bodybuilding & Weightlifting Gyms – Heavier equipment, powerlifting areas
Hybrid Facilities – Gyms that combine multiple training styles or services
Leisure Centres - Including swimming Pools
Rock Climbing facilities
OUR 3 STEP GUIDE TO MAKING SURE YOU HAVE THE BEST COVER
We take time to get to know your business. Understand your demands and needs and what you're looking for. Through speaking to one of our advisors, you can be assured that all important details are correct - minimising any chance of dissapointment down the line should there be a claim
We go to market to present your policy - having taken the time to get to know your business, we find the right market for you and your needs.
Full market presentation back to you, making sure you are happy - we've got you covered!
OUR 3 STEP GUIDE TO MAKING SURE YOU HAVE THE BEST COVER
We go to market to present your policy - having taken the time to get to know your business, we find the right market for you and your needs.
Full market presentation back to you, making sure you are happy - we've got you covered
We take time to get to know your business. Understand your demands and needs and what you're looking for. Through speaking to one of our advisors, you can be assured that all important details are correct - minimising any chance of dissapointment down the line should there be a claim
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Gym Cover is a licenced trading name of Full-Time Cover Limited and is authorised and regulated by the Financial Conduct Authority.Registered in England and Wales at 3rd Floor, 8 Devonshire Square, London, EC2M 4PL. Registered number: 09241439.