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Business

Gym and fitness centre insurance solutions

Protect your gym or studio with insurance arranged by Marsh. Get cover for liability, equipment, and professional risks, so you can focus on your members.

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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

selected option

For your safety

Insurance solution arranged by Marsh for gyms and studios is designed to support the real-world risks that come with running a fitness business.

Policies can be arranged for $10 million or $20 million public liability and $10 million professional indemnity, depending on your business size.

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Public liability insurance for gyms

Insurance solution arranged by Marsh for gyms and studios is designed to support the real-world risks that come with running a fitness business.

Professional indemnity insurance for fitness businesses

Covers you for claims of negligence or poor advice, such as when a client alleges your program caused injury or loss – even if you’re not at fault.

Property and equipment cover

Provides cover for your gym building, contents, and fitness equipment if they’re damaged by fire, theft, or other insured events.

Product liability insurance for fitness products

Helps protect you from claims related to products you sell or promote, such as supplements or branded items.

Advertising liability

Covers issues such as defamation, libel, or copyright infringement linked to your marketing or social media activity.

General exclusions

These are some examples of the general exclusions in gyms and fitness insurance. Speak to your broker to find out more and download the policy document on this page for a full list.

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High-risk activities

Claims arising from activities such as combat sparring, rock climbing and boxing are not covered.

False advertising

False advertising or mistakes made in advertising that affect your ability to deliver services to your client.

Vehicles and vessels

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.

 

Hazardous materials

The policy doesn’t cover loss or damage caused by asbestos, radioactive materials, pollution or contamination. 

Wear and tear

Any loss or damage caused by general wear and tear such as gradual deterioration, rust or corrosion.

Product defects

You’re not covered for the recall, repair, replacement or loss of your products if they are withdrawn from the market because of any defect or deficiency.

Slimming products

Use of metabolic drugs or slimming products.

Cyber breaches

This policy does not include cybersecurity-related incidents. Speak to your broker about additional cover options if this is of interest to you.

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.

Faulty workmanship

Generally, any workmanship errors that need fixing won’t be covered, unless it causes injury to a third-party.*

*Generally, your workmanship errors that need fixing won’t be automatically covered by public liability insurance. However, if the error causes third-party injury, it may be covered under your public liability policy. Talk to us about policy solutions that can extend to include this cover.

Are you an AUSactive member?

The AUSactive exercise professionals’ policy we arrange can offer up to $20 million in public, product, and advertising liability cover, plus $10 million professional indemnity. Whether you’re self-employed or employed, conducting sessions at client homes, promoting health, or running approved fitness activities, this policy can support your professional standards with coverage across Australia and worldwide (excluding USA & Canada).

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Insurance support for Australia’s fitness community

More than 4,000 fitness professionals across Australia already rely on Marsh for their insurance needs. Marsh is also the endorsed broker for over 130 industry associations, reflecting its long-standing support of the health and fitness sector.

Whether you run a yoga studio, a pilates centre, a CrossFit gym, or a personal training facility, insurance can help protect your livelihood when things don’t go as planned.

What to consider when arranging gym insurance

When reviewing your policy, ask yourself these key questions:

  • Does my insurance include both public liability and professional indemnity?
  • Are my contents and equipment covered against theft or damage?
  • Does the cover extend to outdoor or online classes?
  • Are there any exclusions for activities such as boxing or martial arts?

It pays to consider all the risks when it comes to insuring your gym or studio.

Events that can affect the operating cost of your fitness business include:

  • Theft or damage of equipment
  • Fire or flood damage
  • Accidents involving injury
  • Unexpected temporary shutdown or relocation.

Frequently asked questions

Most gyms need public liability and professional indemnity insurance, plus optional property and contents cover.

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 group exercise classes.

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 and your member alleges your negligence or wrongful advice caused their injury. 

Additional cover we can arrange

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Cyber security insurance

Cyberattacks are becoming increasingly common. Protect your small business against cybercrime with insurance arranged by Marsh.

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Business vehicle cover

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

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Personal trainer insurance

Want fitness insurance that doesn't weigh you down? Let Marsh arrange your cover – and get your certificate of currency in minutes.

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This website contains general information, does not take into account your individual objectives, financial situation or needs and may not suit your personal circumstances.

Marsh Pty Ltd (ABN 86 004 651 512, AFSL 238 983) (“Marsh”) and Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238 369) (“MAI”) arrange the general insurance (i.e. not the Discretionary Trust Arrangement) and are not the insurer.

Discretionary Trust Arrangements are issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417 964) (“JGS”). Any advice or dealing in relation to a Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). The cover provided by a Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.

For full details of the terms, conditions and limitations of the covers and before making any decision about whether to acquire a product, refer to the specific policy wordings and/or Product Disclosure Statements (PDSs) available from the relevant product issuer. Target Market Determinations (TMDs) are available here.

Marsh, MAI, JGS and JLT are all businesses of the Marsh group.

LCPA 26/2044