Fitness club insurance protection
We’re here to help you find the right insurance for your gym. By comparing quotes and covers from a number of insurers we can arrange quality cover that lets you focus on what really matters – running your gym.
We understand the complex insurance needs of gyms and fitness centres and the most relevant covers for your industry, and are committed to helping you arrange quality insurance without the hassle.
Liability insurance for gyms
Having liability insurance in place for your gym is crucial. Public liability insurance can provide financial protection for your business if someone injures themselves at your premises and it is deemed to be the fault of your business. Whether it’s a slip, trip or fall, or something unpredictable happens with a piece of equipment, protecting against the unexpected is essential.
If you’re an employer then you’ll need to include employers’ liability cover in your fitness club insurance to cover your staff if they have an accident and sustain an injury at work.
Both these liability covers can typically be combined with a number of other covers into one easy to manage gym insurance policy.
Gym equipment insurance
Equipment, weights and work out gear are fundamental to the running of your business so you should consider including contents insurance within your gym insurance policy. Machinery can be costly and time consuming to replace or repair, particularly if you have specialist equipment as a unique selling point for your gym. Therefore you should consider protecting your machinery against damage to ensure your business continues to run smoothly.
You may also wish to include buildings insurance if you own the premises or you’re responsible for protecting it as part of your lease agreement.
Minimise disruption at your gym
If you suffer damage to your property, the impact on your business could take a long time to recover from. For instance property damage could disrupt your ability to trade meaning your customers could go elsewhere. Business interruption insurance could help cover your fixed expenses until your business is back trading as normal. In addition, if you lose customers as a result of this or from having to relocate temporarily, it could also cover the financial impact this has on your business.
Professional Indemnity Insurance for your gym
Gym instructors are exposed to claims arising from incorrect professional advice or services given to clients so you may want to consider professional indemnity insurance to complement your gym’s public liability cover.
Cyber liability insurance for your gym
Your computer software will be very important to you as this will be where you hold all your customers’ information as well as the business’s financial accounts.
If you fell foul of malicious hackers the damage this would cause could seriously impact your business. With this in mind you might want to consider cyber liability insurance.
Comprehensive gym insurance
Here at Premierline we’ll search the market to help you find the most suitable cover for your business. We understand that every business is unique and requires a tailored approach to insurance, just like your customers do for their fitness regimes. That’s why we work closely with a number of trusted insurers to help you find the right cover at the right price for your gym.
Our expert advisors can advise on covers and make insurance recommendations based on your individual needs. Call us today to get a great value gym insurance policy now.