Whether you offer weekly group classes in a studio or just small personal training sessions in your gym area then you’ll want to protect yourself in case someone gets injured or damages something on your premises.  

Sufficient public liability insurance will protect you against this and comes as standard with an insurance package for gyms. There are always limits and exclusions in place for all policies, so it’s best to check the small print to make sure your business activities are covered sufficiently. 

If you have a sauna or steam room on your premises you should tell your broker, this is to ensure you have the right level of cover for your public liability insurance.

If you have employees who offer treatments and physio, you should consider taking out both employers’ liability insurance and public liability insurance.  

However, if your therapists are self-employed and just renting a room, they should have their own liability insurance in place - this wouldn’t be something you’d sort for them. But it is important to tell your broker if you have anyone self-employed working at your premises, when getting a quote. 

In both cases, you should consider taking out your own public liability insurance but always check the small print for exclusions and limits - this will vary per insurer.