Gym insurance
Join over nearly 1 million customers (including gyms like yours) – we offer public liability cover from £4.74*
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Rated 4.8/5
Based on 39,800 reviews
Claims paid in 24 hours
For 80% of settled claims
Why do you need gym insurance?
Our policies go far beyond gym liability insurance. Third party injuries and property damage are part of your risk profile, but so are employee claims, and your own accidents. For example, if your gym was vandalised or you injured your back and couldn’t work, would you have the funds ready to take care of business?
- gym insurance UK-based claims and customer service team
- peace of mind, letting you focus on the goal setting, not the what-ifs
- public liability insurance between £1 million and £5 million
What does gym insurance cover?
Lots of gyms and health clubs start with public and product liability insurance, and build from there. Our cover is built to protect you against third party injuries and accidents – along with property damage. You can factor in other popular options, like gym equipment insurance, and employer’s liability cover is usually a legal requirement if anyone’s working for you.
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Public liability insurance
In case your gym causes an injury or property damage.
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Employers’ liability insurance
In case anyone gets ill or injured as a result of working for your gym.
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Business and office equipment insurance
In case something happens to your business and gym equipment.
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Legal expenses insurance
In case you have to pay legal costs connected with your gym.
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Personal accident insurance
In case anyone you’ve covered is accidentally injured, at work or elsewhere.
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Building insurance
In case something happens to your gym premises.
This content has been created for general information purposes. Make sure you have the right level of business insurance by checking your policy documentation for details. Read our full Terms and Conditions
How much does gym insurance cost?
Find out how much you’ll pay by comparing prices for gym insurance from a range of trusted insurers. You choose what goes into your policy, so you only pay for what you need.
Prices start from £4.74 per month
Get your quotes in 7 minutes – prices are guaranteed for 30 days.
Get your tailored quotes in 7 minutes
The price is for up to £2 million of public liability insurance – 10% of customers paid £56.82 or less annually between 1st Jan – 31st May 2024. Equivalent to £4.74 a month (and excludes the extra costs for paying monthly). 76% of customers have a £1 million limit and 24% £2 million. If you complete a quote, more types of cover will be available. These all have additional costs.
Example gym insurance quotes, real prices
£41.56 /month
£415.62 /year
A small privately-owned family gym with no saunas or steam rooms
- 2-3 years’ experience
- Limited company
- 1 employee
- Based in Gloucester
Public liability
£1,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£7,500
£90.03 /month
£900.26 /year
A medium-sized gym with no saunas or steam rooms
- 5+ years’ experience
- Limited company
- 4 employees
- Based in Milton Keynes
Public liability
£2,000,000
Employers’ liability
£10,000,000
Contents & business equipment
£20,000
How we work out example quotes: These examples are real quotes from our online system (created 01/10/2024). They’re based on a range of factors, like employees and location. Your own quote will be based on what you tell us about your business. Prices may go up or down from day to day, so the prices you’re quoted may differ to the ones you see here.
How it works
Pick what goes into your policy
Only pay for what you need
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Get your documents the same day
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How do I choose insurance for gym?
Making sure you have the right type and level of business insurance can be the difference between getting a claim paid and having to cover the cost of an expensive accident yourself. Read our tips for guidance on what to consider when buying a policy.
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Does gym insurance cover my work correctly?
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Do I need cover for other types of work?
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Which public liability cover limit should I choose?
Talk to an expert
Our team of UK-based insurance experts are here to help, Mon 09.00am – 05.30pm, Tues 09.00am – 05.30pm, Weds 09.00am – 05.30pm, Thurs 09.30am – 05.30pm, Fri 09.00am – 05.30pm, Sat 09.00am – 02.00pm
Call our team
How do gym insurance claims work?
Unlike price comparison websites, we take the hassle out of claims for you. We know how important it is to get your business back on track quickly – and with a minimum of fuss. That’s why you get access to your dedicated claims any time, day or night. Call them on 0333 207 0560 or claim online. They’ll do their best to be fair and supportive.
£51 million in claims paid out in 2023
83% of claims were settled in 2023.
The figure above is rounded across our range of products. “Settled” covers paid, declined or withdrawn. Our claims process may vary for different products and operates on a ‘claim by claim’ basis. Our specialist partner Sedgwick will pay the claims on behalf of the insurer. Reviewed on 24/04/2024.
Example claim
Having gym business insurance through Simply Business has saved fitness clubs and companies thousands of pounds when the unexpected happened.
Gail saved more than £5,000
Gail (not her real name) received a claim from a former gym club member, for a back injury sustained during a pregnancy-specific training session. Her gym public liability insurance covered the cost of the claim, and her optional legal expenses cover helped with some local press attention.
Insurance payout
£5,085
Covering the cost of public liability
Insurance payout
Covering the cost of public liability
Covering the cost of public liability
Chosen by nearly 1 million small businesses and landlords
We started out as a team of five back in 2005. We’ve grown since then, with nearly 1 million customers across 1,500 trades now trusting us to provide their business insurance.
Gym insurance FAQ
Whether you’re new to buying business insurance or you’ve been trading for a while, here are the answers to some commonly asked questions about gym insurance.
This depends on your business, and which insurer is providing your cover. Prices start from £6.45 a month for our gym business customers – we work this out by taking the highest price from the bottom 10 per cent of all our customers paying in monthly instalments (based on data from 1 July – 31 December 2020). Most customers pay more than this but some pay less.
From client injuries and property damage to an employee getting hurt, the business of fitness carries specific everyday risks. A PT insurance policy is designed to keep your focus on your clients and their progress, not all the things that could go wrong.
There’s no legal requirement for insurance for personal trainers in the UK, unless you employ anyone – if so, employers’ liability cover is usually required by law – but if you were hit with an expensive injury claim, for example, would you have the necessary funds to manage it?
Yes. It’s important to make sure you have the right type and level of insurance for the different types of work you do. For example, if you’re running a gym, you may also do the odd personal training session away from your gym premises – you’ll need additional cover for this, but you can have it all on the one policy. When you start your quote, you’ll have the option to add another trade or profession to your policy. If you need to add a third trade, give us a call on 0333 0146 683 and one of our insurance experts will help you set up your policy in minutes.
Our gym insurance doesn’t cover you for the use of hot tubs, pools, jacuzzis or aqua aerobic classes.
Yes. We can extend cover to included saunas and steam rooms where you’ll need public liability cover to protect you against potential claims from your members. Cover limits start at £1 and popular levels rising to £10 million, with higher options available. Tell what you need.
Our gym insurance doesn’t cover spa equipment such as saunas and steam rooms.
Yes, you can extend your cover if you offer additional treatments and therapies such as sports massages. Get in touch with us today, provide us with the details of your treatments, and we’ll be able to give you a tailored quote for your business.
Our cover protects you for accidental damage caused by a variety of visitors who use your premises. Let us know if there’s anything or anyone out of the ordinary that might cause damage and we’ll do our best to cover you. Unfortunately, insurance policies won’t include cover for general wear and tear.
Yes, your gym insurance policy will offer protection for accidental damage to your gym equipment or premises caused by a variety of visitors. For example, this includes staff, clients, and third-party personal trainers. It’s important to note that a gym insurance policy won’t cover you for general wear and tear to your equipment.
This will depend on whether you have employers’ liability insurance in place. Public liability insurance is designed to protect your business against the consequences of legal action brought by members of the public for injuries or damage to their belongings. But when it comes to your employees causing injury or damage, this protection only activates if you also have employers’ liability insurance.
If you employ people, you’re required by law to have employers’ liability insurance.
There’s one exception here. Family businesses that aren’t incorporated as a limited company are not legally required to have employers’ liability insurance. The government defines a “family business” as one where all your employees are closely related to you (as a spouse, civil partner, sibling, child, parent, grandparent, grandchild, step-parent, stepchild or half-sibling). So if you run an unincorporated family business and you choose not to get employers’ liability insurance, it’s important to know that your public liability insurance wouldn’t cover you against damage or injury caused by your team.
We create this content for general information purposes and it should not be taken as advice. Always check policy documentation for details and seek professional advice. Read our full Terms and Conditions
