Most gyms need public liability and professional indemnity insurance, plus optional property and contents cover.
Running a gym or fitness centre means helping people achieve their goals every day. But no matter how careful you are, accidents and unexpected events can happen. From equipment damage to client injuries, having the right insurance can help protect your business from financial loss and legal costs.
That’s where gym and fitness centre insurance arranged by Marsh can help.
Why gyms and fitness centres in Australia need public liability insurance
Every fitness business deals with people and physical activity – and that comes with risk. A client might trip over a mat, a mirror could break, or a member might get injured using equipment. Even a minor accident could result in a costly claim.
There are more than 6,400 gyms and studios operating across Australia, ranging from boutique studios to 24-hour fitness chains. With so many public-facing facilities, landlords and councils usually require operators to have public liability insurance in place before opening.
Public liability cover can help protect you if someone claims they were injured or their property was damaged while at your gym. It can also cover the cost of legal defence and compensation if required.
What gym and fitness centre insurance solution covers
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Why Marsh?
Why should you choose Marsh to arrange your insurance solutions?
Frequently asked questions
Different factors may influence the cost of insurance, such as:
- The services you provide
- The size of your company
- Your annual revenue.
When requesting a quote, you should ensure the declared value of your business is accurate so you get the correct premium and cover for your business.
It’s not mandatory by law, but most landlords and councils make it a condition of operation.
Owners of gyms and fitness studios should have public liability insurance to operate. But it’s best practice to also have professional indemnity insurance.
Marsh can arrange $10 million or $20 million public liability and $10 million professional indemnity cover.
Yes. Independent trainers usually need separate policies even if they work inside a gym.
Yes, many policies can extend to online or hybrid fitness training.
Yes, if you include property and equipment cover in your policy.
Some insurers exclude contact sports unless pre-approved, so check your policy.
Yes, multi-location gyms can often be covered under one policy.
Contact your Marsh broker. They’ll help manage and negotiate your claim with the insurer.
Yes, if your policy includes public liability and professional indemnity.
References
- Gyms and fitness centre insurance | Marsh Australia (au.marsh.com)
- Gyms and Studios Combined Liability Policy Wording (Marsh, 2021)
- A Guide to Personal Trainer Insurance in Australia | Fitness Education Australia (fitnesseducation.edu.au)
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Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.
LCPA 25/1354
This is a general overview of the policy. Please call us and ask for a copy of the insurer’s policy wording. We recommend you read the policy wording, so you have an understanding of the policy terms, conditions and exclusions before you decide whether this policy suits your needs.