Commercial insurance

Gym and leisure centre insurance

Cover for gyms, health clubs, leisure centres, studios and personal trainers across the UK.

In short

Gyms and leisure centres need public liability for members and visitors, treatment or professional liability where instruction, classes or therapies are offered, property and contents on the equipment and premises, and employers’ liability for staff and instructors. Apex arranges it for single studios through to multi-site leisure operators.

Talk to a specialist broker

Tell us about the site, the equipment and the classes or treatments offered and we’ll find suitable cover. Get a commercial quote → or call 0117 325 0027.

Who we place

Gyms, health clubs and fitness centres
Local-authority and private leisure centres and swimming pools
Yoga, Pilates, dance and spin studios
CrossFit and strength-and-conditioning gyms
Personal trainers and independent instructors
Climbing walls and trampoline parks (specialist)

What the cover usually includes

Public liability — injury to members and visitors on the premises
Professional / treatment liability — instruction, classes, physio and beauty treatments
Property, contents and equipment — machines, free weights, pool plant and fit-out
Employers’ liability — employed and self-employed instructors
Business interruption — lost income after damage closes the site
Optional — personal accident, cyber for member data, management liability

Why use a specialist broker

Apex is a directly FCA-authorised independent broker with access to 30+ insurer markets, including Lloyd’s through wholesale. You get a named broker who presents your risk properly to insurers who actively want it, rather than a portal that pushes one product. We handle the claim with you if one happens.

Frequently asked

What insurance does a gym need?

At minimum public liability for members and visitors, and employers’ liability if you employ anyone (compulsory). If you offer instruction, classes or treatments you also need professional or treatment liability, and you’ll usually want property cover on the equipment and premises.

Do personal trainers need their own cover?

Yes — a personal trainer or instructor working self-employed needs public liability and professional/treatment liability in their own name, even when working inside someone else’s gym, because the gym’s policy won’t automatically extend to them.

Can you cover higher-risk activities like climbing or trampolining?

Yes, through insurers who write those specific risks. They look closely at supervision, equipment inspection and safety procedures, so good risk management helps the terms.

Talk to us about cover

Tell us about the risk and we’ll look for suitable cover, subject to the insurer’s acceptance and the policy terms. Or call 0117 325 0027.

Get a quote Call 0117 325 0027

Apex Insurance Brokers Limited is authorised and regulated by the Financial Conduct Authority. Registered in England and Wales, company number 07014570. This page is general information, not advice on your individual circumstances, and it does not guarantee that cover will be available or on what terms. Any cover is subject to the insurer’s acceptance and the full policy terms.