Gym & Fitness Club
Gym & Fitness Club
Gyms and fitness clubs are vibrant, community-driven businesses that help people stay healthy but they also carry significant risks. With high foot traffic, physical activity, shared equipment, and close personal interaction, these facilities face exposure to injury claims, equipment damage, liability for trainers, and business interruptions.
At Angelic Insurance, we provide general advice to help gym owners and fitness professionals explore insurance options such as public liability, professional indemnity, equipment cover, management liability, and business interruption. We compare policies from trusted Australian insurers to help ensure your cover supports your business model, services, and legal obligations.
Whether you operate a 24/7 gym, a boutique training studio, or a multi-location franchise, we help you protect your members, team, and brand.
Why Choose Angelic Insurance?
Fitness operators require comprehensive, flexible insurance to manage member safety, equipment investment, and staff responsibilities. Here’s how Angelic Insurance supports you:
Cover for Gyms, Studios, and PT Businesses
We assist with insurance comparisons for weight gyms, Pilates and yoga studios, boot camps, martial arts centres, and personal training businesses.
Public Liability for Member Injuries
If a member slips, trips, or is injured during a session, public liability insurance helps protect your business from legal and compensation claims.
Professional Indemnity for Trainer Misconduct or Advice
If a personal trainer provides guidance that leads to injury or dissatisfaction, indemnity insurance helps cover claims and legal costs.
Equipment and Property Cover
We help review insurance options for treadmills, weight machines, AV equipment, and other assets, including protection from fire, theft, and accidental damage.
Business Interruption and Rent Protection
maintain cash flow and continue fixed expense payments.
Industry Challenges
Fitness centres operate in high-risk environments. Without proper cover, gyms can face challenges such as:
Member or Visitor Injuries
Injury claims can arise from machine misuse, wet floors, or lack of supervision. Liability insurance helps manage medical and legal costs.
Equipment Breakdown or Damage
Fitness equipment is costly and essential. Theft, fire, or failure can lead to downtime. Equipment insurance helps with repair or replacement.
Trainer Liability and Employment Disputes
Allegations of unprofessional conduct, poor advice, or harassment can affect your business reputation. Management and professional indemnity cover support your defence.
Disruptions from Natural Disasters or Building Issues
Floods, fire, or other building damage can close your doors for weeks. Business interruption insurance helps with loss of income during closure.
Regulatory and Franchise Requirements
Many gyms must maintain current insurance for leasing, licensing, or franchising agreements. Missing documentation can result in non-compliance or fines.
Frequently Asked Questions
Coverage includes member injuries, equipment damage, and facility risks.
Yes, Public Liability Insurance applies.
Yes, Equipment Insurance is included.
Yes, through Professional Indemnity Insurance.
Yes, Workers' Compensation Insurance applies.
Yes, Business and Property Insurance is available.
Yes, loss of income due to closures is covered.
Angelic Insights
