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AUSactive

Learn what you need to know about the insurance cover arranged by Marsh for AUSactive members.

We’ve got you covered professionally every minute in and out of the gym, every day of the year.

Program coverage

Public liability insurance

This insurance can help protect you against the financial risk of being found liable to a third party for death or injury or loss of or damage to property resulting from your negligence.

Product liability

This insurance can help cover legal costs and any compensation payable if a product you supply, sell or recommend - such as equipment or workout aids - causes a client or third party injury or property damage.

Professional indemnity

This insurance is designed to help pay legal costs and any compensation payable if a client or third party claims your advice, training program or services caused injury, illness, lost earnings or other financial loss.

selected option

Who’s covered

Eligible AUSactive members who have selected the insurance add on at their membership application or renewal.

Please refer to the AUSactive Exercise Professionals Policy Schedule and Policy Wording to find out detailed policy terms, benefits, conditions and exclusions. Available in the helpful documents section below.

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Public liability

$20,000,000 limit on any one occurrence.

Product liability

$20,000,000 any one occurrence and in the aggregate.

Professional indemnity

$10,000,000 any one claim and in the aggregate.

What’s not covered

These are some examples of the general exclusions in gyms and fitness insurance. Speak to the team at Marsh to find out more and download the AUSactive Exercise Professionals Policy Schedule and Policy Wording  on this page for a full list.

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High-risk activities

Claims arising from activities such as combat sparring and rock climbing are not covered. Please refer to your AUSactive Exercise Professionals Policy Schedule and Policy Wording for full details of excluded activities.    

Vehicles

Use of business vehicles, as well as aircraft, hovercraft, watercraft or related products.

Workplace injuries

These include injuries to your employees. Generally, workplace injuries are not covered under public liability insurance – these may be covered under workers compensation cover.

Slimming products

Use of metabolic drugs or slimming products.

Specified activities

Some sporting activities are also excluded from this policy, including some contact sports as well as hazardous activities. For a comprehensive list, read the policy document on this page.

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Gym insurance

To help cover your property from damage and theft risks, Marsh can also arrange studio and gym insurance solutions.

Learn more
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Cyber insurance

Cyber attacks are becoming increasingly common. Help protect your small business against cybercrime with insurance arranged by Marsh.

Learn more

Need to make a claim?

Sometimes accidents happen and we’re here to help.

Depending on when the accident occurred and the policy you need to make a claim under, there are different procedures to follow. Head over to our claims page now to get started.

Make a claim

Frequently asked questions

Covered fitness activities include, but are not limited to the following:

  • Personal training
  • Promotion of fitness, health and associated activities
  • Boxing / Cardio kickboxing (non-contact)
  • Crossfit
  • Pilates / Barre
  • Les Mills
  • Online Operations
  • Yoga
  • Pre/ post-natal training
  • Mums & Bubs Classes
  • Aqua Aerobics
  • Fitness related Product Sales
  • Generic nutrition advice

Please refer to your AUSactive Policy Schedule for a full list of included activities.

  • Exercise Professionals operating as a company, partnership or trust.
  • Activities unconnected with the Insured's personal scope of practice and/or qualifications from a Tertiary or Registered Training Organisation unless specifically agreed.
  • Exercise professionals who are owners/operators of commercial fitness facilities conducting unsupervised activities to a membership base.
  • Exercise professionals who have employees or more than 3 subcontractors at any one time.
  • Exercise Professionals who are operating from their residence/a home studio.
  • Exercise professionals who sell and/or hire fitness machinery.
  • Any swimming instruction by swim teacher and/or coaches except aqua exercise instruction.
  • Any activities involving cargo nets.
  • Any Martial Art activities involving contact or combat.
  • Any activities involving hiking or trekking.
  • Any Training of Professional Sports Persons whose personal income is derived from the participation in sporting activities, unless this income is below AUD 25,000 within a 12 month policy period.
  • Any other activities excluded in section 21 & 22 of the AUSactive Exercise Professional Policy Wording 2025.

Minimum of a certificate 3 or 4 in fitness from:

  • an Australian registered training organisation.
  • New Zealand training body.
  • South African training body.
  • British/Irish training body.

And must have written risk management procedures for the below:

  • First aid.
  • Blood spillage and infectious disease.
  • Inspection of equipment.
  • Emergency procedures in event of serious injury.

Training pregnant clients.

The AUSactive exercise professional insurance policy arranged by Marsh can cover you Australia-wide.

Depending on your business, Marsh can arrange cover for a variety of venues – including gyms, parks, hired spaces and your client’s home.

This insurance covers:

  • Sole traders.
  • Employees.

Marsh can still arrange other insurance for the following :

  • Company.
  • Training clients physically from own residence.
  • Trust/Partnership.
  • Mobile trainers.

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 25/618