- 0118 228 2484
- hello@riskhq.co.uk
Running a gym takes more than a knowledge of fitness and workouts — there are real risks and responsibilities and it’s crucial to have gym business insurance in place that is fit for purpose.
From member injuries to equipment damage and liability claims, things can escalate fast. You need commercial cover designed for the fitness industry — not a one-size-fits-all policy.
In addition to the traditional protection for Property Loss or Damage, Business Interruption and Employers and Public Liability, we arrange cover for any outside activities such as bootcamps, running clubs and exhibitions. We also ensure you are protected where a personal injury claim is brought against you for alleged wrongful advice.
We specialise in insuring gyms, health clubs and fitness studios across the UK, combining expert insight with fast, friendly, no-nonsense service.
The fitness industry is dynamic and fast moving and we support you in understanding the trends and innovations.
Most importantly, we assist you in handling all aspects of a claim, should it arise. That is then you’re likely to need experienced specialists such as Risk HQ.
We arrange tailored cover for:
of all sizes
such as cycle, boxercise or Pilates studios
including outside functional training
including spa facilities, treatment rooms and the wider range of services typically offered within modern health clubs
we recommend quarterly review meetings to ensure that your insurance remains comprehensive, and any necessary changes catered for
No two facilities are the same — and your insurance shouldn’t be either. We shape your gym, health club and fitness studio insurance around how you actually operate, helping to avoid policy conditions that you simply cannot comply with.
Our friendly , jargon-free approach is designed to establish close, long-terms partnerships. Insurance is never going to be the most exciting part of running a facility in the fitness industry, but it does have to be the most excruciating, either!
Work with specialists who understand the fitness industry.
Get cover that works as hard as you do. Talk to Risk HQ today.
You need business insurance to protect you against the everyday risks that come with your normal business activities. Insurance can cover you against mistakes, accidents, theft, damage and legal fees, but the exact cover you need depends on the business you run and how you run it.
Gyms and Health Clubs face the risk of Public Liability claims as they have a duty of care to customers and visitors. Where are accident or incident occurs in the premises, the operator can be liable if there has been a breach of the duty of care. Similarly, Employers Liability is important as there is a duty of care owed to employees and if injury occurs during the course of employment, the employers may be held liable.
Claims can arise from loss of or damage to buildings, contents and equipment. In addition, it is necessary to insure the loss of revenue that may arise following a fire or flood.
Public liability insurance is a key consideration if your business comes into contact with members of the public, whether that’s at your premises or elsewhere. It can protect you against compensation claims for injury or damage made by clients, customers, suppliers, or other third parties. Virtually all gyms take out this insurance.
Check your client contracts to see if a particular level of public liability insurance is required.
If your business employs staff, you will legally be required to have an employers’ liability insurance policy. This covers compensation claims made by a member of staff because they’ve suffered injury, illness or damage as a result of their work. Certain companies are exempt from the legislation, including some businesses that only employ close family members. To see if you’re exempt, check the Health and Safety Executive (HSE) guidelines or seek advice.
If your centre is underinsured, insurers may:
If your business is disrupted by material damage caused by an event such as a flood or fire, business interruption insurance provides you with the financial cover you need to get back on your feet. For example, if a fire destroyed the contents of your business premises, business interruption insurance would cover your loss of revenue, as long as your contents are also insured.
Premiums are influenced by : Annual turnover ; The sums inured for Buildings, Contents etc ; Location ; Facilities (such as a spa, treatment rooms etc) ; Additional services (bar, café, shop, coaching academy) ; Claims history
Risk management measures (clear rules, signage, maintenance logs) can reduce costs.
When choosing an insurer, consider: Experience with sports or leisure facilities ; Understanding of fitness-specific risks ; Flexible cover for activities and facilities ; Strong claims handling reputation.
A broker can compare multiple insurers and negotiate terms on your behalf. They are obligated to provide you with best advice on the options available to meet your requirements.
