Gyms, health & fitness clubs insurance

Our bespoke gyms and fitness industry insurance helps keeps operators of gyms and health & fitness clubs in business and protected in the event of a claim.

Let us do the heavy lifting

Whether you are looking for gym and fitness centre insurance or need to cover your health club business, we can help to arrange the right insurance cover for the risks you face with our specialist fitness insurance scheme, leaving you free to run your fitness centre or gym with confidence.

When you choose us to arrange your insurance, we’ll make sure that you receive protection for the risks your business faces, which can include cover for giving your customers instruction on the activities that you provide. Additionally, our service is backed by an experienced team who can help you every step of the way when you need to make a claim, ensuring a streamlined and efficient process, and enabling you to get back to running your business.

Want to speak to someone?

Call this number 0207 251 6821

Get a quote now

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Tailored cover for fitness centres and gyms

Gym Insurance

Yoga and Pilates Insurance

Cross-training Insurance

Boxercise Insurance

Fitness Class Insurance and Exercise Instructor cover

Spinning and Indoor Cycling Insurance

Health Club Insurance

Fitness Centre Insurance

Fitness Studio Insurance

Leisure Centre Insurance

Health Farm Insurance

Beauty Spas Insurance

What covers can I include?

Third-party liability including for slips, trips, falls and lifting injuries

Treatment liability for certain health and beauty treatments

Employers' liability insurance for your staff including temporary workers

Cover for your buildings and any other structures you are responsible for

Loss or damage to contents, plant and machinery, stock and merchandise

Loss of revenue caused by an interruption to your business activities

All-risks cover for your activities equipment, such as weights and exercise machines, sports equipment, and more...

Want to speak to someone?

Call this number 0207 251 6821

Get a quote now

Click here

Frequently asked questions

Why do I need Public Liability insurance for my gym or health and fitness club?

If you cause injury to another person or cause damage to their property, then they may make a claim against you for compensation. Public Liability insurance will cover you for any compensation award made against you plus the legal fees to defend you.

Why do I need Employer’s Liability insurance?

If you employ someone to work for you then by law, you must take out Employer’s Liability insurance. Failure to have adequate cover in force could result in your business being fined. For further details about Employer’s Liability insurance being legally required, please refer to the UK Government website (note that Clear is not responsible for the content of external websites):

https://www.gov.uk/employers-liability-insurance

Do I need Employer’s Liability insurance for subcontractors?

Yes, possibly. Employer’s Liability insurance is legally required if you engage labour either through PAYE or via self-employed labour only sub-contractors.

What other insurance covers might I need for my gym or health and fitness club?

The answer to this depends on how your business operates. For example, if you are responsible for the building, then you will need to arrange buildings insurance. You might have a lot of equipment that could be valuable or difficult to replace, and you may want to insure it against loss or damage while within your premises or elsewhere. You may also want to arrange insurance cover for a drop in business income caused by an unforeseen insured event. All of these covers can be included within your insurance quote from us.