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Gym Insurance
Compare Insurance For Gyms
Arrange tailored business insurance for your gym business
Protect against claims made by gymgoers, employees and the public
Bionic is the comparison site for your small business
We compare a vetted panel of trusted business suppliers
Bionic provides business insurance for small business, like gyms
Get tailored cover to protect against claims from employees, customers & more
Get the protection you need with no unnecessary extras that you don’t want
What is...
gym insurance?
When clients are pushing their fitness to the next level in the gym, you can never predict when something unexpected might happen, such as a bad injury or equipment damage.
A client may fall off a treadmill or they might drop a dumbbell on their foot! Or more generally, you could fall victim to vandalism or a break in. That’s why it’s a good idea to protect yourself against any claims made against your business.
Gym insurance helps provide peace of mind and financial protection in case a disaster strikes and someone claims against you, or you need to make a claim. It helps cover legal fees and compensation so you can focus on what’s most important - running your gym!
Why do gyms need insurance?
When clients are using weightlifting equipment and treadmills in your gym, accidents can happen. Not only that, but you could run into other types of risks, including:
- An employee suffers an injury at work
- Your gym equipment is stolen or damaged
- A member suffers injury whilst working out
- A fire or disaster disrupts your operations
It’s worth noting that if you have any employees, then you must have employer’s liability insurance by law.
What does gym insurance cover?
Policies will vary per provider, and terms and conditions apply, so always check the small print in your policy wording to see what’s included and excluded. Your insurance package could include:
Public liability insurance
In case someone suffers an injury as a result of your work or something gets accidentally damaged when you’re working.
Employers’ liability insurance
In case an employee gets ill or injured because of the work they do for you. A legal requirement if you have employees.
Professional indemnity insurance
In case a customer sues you for damages because of a mistake in your work.
Commercial building insurance
To protect business premises that you own, whether you're using them or renting them out to others.
Business interruption insurance
To provide compensation if a listed event stops your business from running normally.
Business equipment insurance
Protects your business against losses if expensive gym equipment gets stolen or damaged.
What types of gyms need cover?
Whether you own a boxing gym or a CrossFit space, you should consider insurance. At Bionic, we can support the following small to medium gym-based businesses:
- Boutique gyms or studios
- Powerlifting gyms
- Weightlifting gyms
- Facilities for small group training
- Circuit gyms
- Local sports clubs
- Yoga/Pilates studios
Can’t see your gym type? We may still be able to help you, Start a quote online to see your options. We won’t be able to cover your business if you offer contact sports like boxing.
How much does gym insurance cost?
The cost of your annual gym insurance varies on several factors unique to your business, that’s why it’s difficult to give a solid figure. Costs are based on:
- The insurer you choose
- The level of coverage you need
- Where your business is located
- Business size
- Claims history
If you’re looking for a quote, we’ll need you to answer a few questions to see what your options are. Start a quote online and a member of our insurance team will be on hand to talk you through any specifics.
How do you choose the right gym insurance?
This really depends on your facility and what you offer. For example, if you offer PT services or fitness advice then you might want to consider professional indemnity insurance. This will protect you against claims made from professional advice you’ve given out. But if you own a 24/7 unmanned gym and don’t give any advice, then you might not need this.
We know it can be difficult to understand exactly what insurance you need, and that’s why our online system is designed to help you. Our UK-based insurance team are also on hand to chat you through the specifics.
Do you need different insurance for CrossFit gyms?
There’s no one-size-fits-all insurance package, even for a CrossFit gym! Every building is a slightly different size and in a different location therefore the policies you need will vary.
If you are a CrossFit affiliate partner, there may in requirements in your contract for insurance so it’s best to check the small print.
Do you need insurance for water-based activities?
If you have a pool in your gym or offer other water-based activities it’s a good idea to have public liability insurance. You should disclose this to your insurer as this may influence the cost of your premiums.
This type of cover will help protect you in the event someone injures themselves or damages your premises and makes a claim. It also provides support if you need to make a claim on the policy.
Get your gym pumped with insurance with Bionic
At Bionic, we champion UK business owners and want to help in every way we can. That’s why we work with a panel of trusted insurers to provide insurance options for UK small to medium size businesses.
We focus on getting you the right cover, whatever your business story. Get in touch with us today by starting carrying out a business insurance comparison today.
“From equipment malfunctions to member injury claims, gym insurance can keep your business protected so you can focus on helping people achieve their fitness goals."
Insurance Director, James Barwell
How Bionic business Insurance comparison works
Compare business insurance quotes in three simple steps
1
Start your quote online
Speed up the process by submitting basic business details online – whenever you have time.
2
Speak to our UK-based team
Schedule a call with one of our insurance brokers to discuss the details to ensure they’re correct.
3
Compare tailored quotes
Get your quotes from our panel of trusted insurers and talk any questions through with our team.
What do I need to get started?
You only need a few details to get started with getting a quote online, so it’s best to have the following information ready to go:
Your business name and trade
Your policy start date
Your name and contact details to receive your quote options
You may be asked additional questions about business activities
Gym Insurance FAQs
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