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Gym & fitness insurance

Having a good insurance policy when you’re in the gym and fitness industry is an absolute must.


If you operate a gym or fitness centre, rent a space to train people or you’re contracted to work for a gym business, you will need a gym insurance policy to ensure you, your business and your clients are fully covered if anything were to happen.


What is gym insurance?


Gym Insurance HQ provides specialised cover for businesses in the gym and fitness industry. A gym insurance policy can be tailored to your business to cover:


  • Property damage

  • Theft

  • Business interruption

  • Personal injury

  • Public and products liability

  • Workers compensation

  • Management liability

  • Professional indemnity


A gym insurance policy can be tailored to suit your unique business requirements. Whether you run a yoga studio, personal training sessions or a chain of 24/7 gyms, there is a gym insurance policy available for you.

Do I need gym insurance?


You invest a lot of time, money and effort in making your gym or fitness centre what it is. A good gym insurance policy will protect the wellbeing of your business in case anything were to be damaged, stolen or negligence claims were made against you.


The gym and fitness industry has unique liability needs due to the various risks associated with sport and fitness. From trips and slips in the changing room to broken equipment, you need to be prepared. 


If you are self-employed and run a gym or fitness centre, it’s likely that you will not be covered under the workers’ compensation in the event you can’t work due to an accident or injury.


Personal trainers working for other businesses may be covered, but workers’ compensation is limited and may only cover injuries that occur due to an employer’s negligence.


Having an adequate insurance policy in place will protect you and your business when life throws a curveball.


How much is gym insurance?


Gym insurance premiums usually start from $490, but low risk activities such as yoga can start from around $300.


Are there any inclusions/exclusions with gym insurance?


Inclusions and exclusions for gym insurance vary as they are based on the occupation. However, examples across the gym and fitness board include:


  • Whether or not you have approved qualifications

  • Ensuring all activities are covered by the insurer

  • Exclusions for contact sport activities 


Get a gym insurance quote today


We are part of Australia’s largest insurance group, with access to over 170 local and international insurers. 


Our specialist gym insurance advisors have worked with hundreds of gyms and can find the most comprehensive and competitive coverage to meet your business needs.


You can request a gym insurance quote online or call our team of friendly brokers on 1300 815 344.

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Why choose Insurance HQ?

Insurance HQ is a friendly family-owned & run insurance brokerage.
We have been in the industry for over a decade and specialise in bringing our customers’ real service and insurance coverage they can count on.

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How are we different?

  • We take all of the stress out of choosing cover as we know what policies offer genuine protection vs coverage that simply “sounds good”.

  • In the event of a claim, our multi-award winning team will take all the hassle and stress out of the process, handling the situation for you. With years of experience handling all forms of claims, there isn’t a scenario we haven’t heard or mastered the art of dealing with.

  • No one knows the industry better – we get our clients the best possible cover, for the best possible price and we fight for your best interest.

  • Beyond our customer service and our industry experience, we’ve spent many years building a strong rapport with insurers and negotiating competitive premiums.

  • With access to over 170 insurers and a friendly team who will take care of you, come and experience the Insurance HQ difference today