Specialist Insurance

Gym Insurance

Comprehensive protection for gyms, fitness facilities, and health clubs. From boutique fitness studios to large health clubs, we arrange tailored cover to protect your premises, members, equipment, and business income.

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Important: Focus Insurance Services is an insurance broker, not an insurer. We arrange cover on your behalf and provide advice tailored to your needs. Policy terms, conditions, and exclusions apply. Please read all documentation carefully.

What Does Gym Insurance Cover?

Gym insurance combines multiple covers to protect your fitness business. Typical coverage includes:

Buildings Insurance

Protection for your gym premises against fire, flood, storm, and other insured perils.

Contents & Equipment

Cover for exercise equipment, weights, machines, and other fitness facility contents.

Member Liability

Protection if a member is injured at your gym – typically £5m-£10m cover.

Employers' Liability

Legally required cover for staff injured at work – typically £10m minimum.

Personal Accident

Optional cover for members injured during fitness activities.

Business Interruption

Replacement of lost gross profit if you cannot trade due to an insured event.

Equipment Breakdown

Cover for breakdown of fitness equipment and machinery.

Professional Indemnity

Protection against claims of professional negligence by trainers or instructors.

Money Cover

Protection for cash on premises and membership fees in transit.

Why Choose Focus Insurance?

As an independent broker, we work for you – not the insurers. Our expertise ensures you get the right cover at the right price.

Fitness Industry Expertise

Over 10 years arranging insurance for gyms and fitness facilities.

Tailored Cover

Policies matched to your specific gym type, size, and operational model.

Claims Support

Dedicated support to help you through the claims process and minimise disruption.

Market Access

Access to specialist fitness insurers offering premiums suited to your risk profile.

Is This Cover Right for You?

This insurance is designed for property owners and investors who need comprehensive protection. It may be suitable if you:

Independent gym owners
Boutique fitness studios
Health clubs and leisure facilities
Gyms with personal training services
Businesses with multiple staff
Premises with high-value equipment

What We'll Need for Your Quote

1
Gym address and postcode
2
Type of gym (boutique, commercial, luxury, etc)
3
Square footage and number of floors
4
Number of members and peak capacity
5
Number of staff employed
6
Annual turnover or revenue
7
Equipment list and values
8
Personal training services offered
9
Any previous claims history

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Frequently Asked Questions

What is member liability cover?

Member liability protects you against claims from members injured at your gym. This includes injuries from equipment use, falls, or accidents.

Do I need personal accident cover?

Personal accident cover is optional but recommended. It provides additional protection for members injured during fitness activities.

What if a member is injured using equipment?

Member liability cover protects you against claims, provided you have maintained equipment properly and given appropriate instructions.

Are personal trainers covered?

Yes, personal trainers employed by you are covered under employers liability. Self-employed trainers should have their own professional indemnity cover.

How much liability cover do I need?

Most gyms carry £5m-£10m member liability cover. We will recommend appropriate limits based on your membership numbers.

What about equipment breakdown?

Equipment breakdown cover protects you against loss of income if fitness equipment fails. This is recommended for high-value equipment.

Is business interruption cover essential?

Yes, business interruption cover is highly recommended. It protects your income if you cannot trade due to fire, flood, or other insured events.

What safety measures are required?

Most insurers require proper equipment maintenance, staff training, and clear safety signage. We can advise on best practices.

Ready to Discuss Your Insurance Needs?

Our experienced team is here to help. Get in touch for a no-obligation conversation about your requirements.