Specialist gym insurance for businesses and studio facilities
Gym and studio insurance through Ripe can include Public Liability, Building and Contents, Equipment, Business Interruption and Employers’ Liability, meaning you can get cover for your gym business, studio, and employees under one policy.
Previously available to buy through Insure4Sport, part of the Ripe Group, gym insurance is now available to purchase online directly through Ripe.
The Ripe Group has years of experience arranging insurance for gyms and studios, and it’s now available to buy quicker, online.
Looking for sports club insurance instead? Find out more about sports club insurance through Ripe.
Why choose Ripe for gym insurance?
Easy online experience
Getting a quote and taking out your cover online is quick and simple. And to make the whole experience even easier, we've done away with any lengthy forms and cut out any confusing jargon.
Tailored to your interest
We know that every group and club and what they bring to communities is unique. Which is why we give you the flexibility to tailor your policy, so you only ever pay for what you need.
Helping your budget go further
We know that your budgets are a big consideration. Which is why we focus on providing cover that doesn't break the bank, so you can concentrate on allocating more resources towards what truly matters.
What does gym insurance cover?
There are several cover options available with a gym insurance policy through Ripe. These can include:
Gym insurance
- Public and Products Liability – up to £10m
- Member to Member Liability – up to £10m for any claims arising out of bodily injury caused by any participant to any other participant whilst practising or participating in sports. Member to Member Liability is only available to sports club insurance policies.
- Employers’ Liability – up to £10m
- Building cover – up to £500k for damage caused by specific perils such as storm, theft or accidental damage
- Fixtures, Fittings and Tenants Improvements – up to £100k
- General contents – up to £250k
- Equipment and Portable Equipment
- Stock up to £100k
- Business Interruption – up to £500k
- Professional Indemnity including claims where someone has sustained an injury due to advice given
- Personal Injury caused by a participant to another participant unless Member to Member is selected (this option is only available on a sports club policy)
- Personal Effects
For full policy wording and details on what is and isn’t covered under a gym insurance policy, visit the Important Documents.
Public Liability insurance for gyms
Gyms and studios could be deemed liable for accidents and injuries that occur on their premises. However, Public Liability insurance can help provide financial protection in the event of a claim arising from accidents, such as:
- a gym member tripping over stray equipment and getting injured on your premises
- a studio visitor slipping on a wet floor and banging their head
- one of your staff members damaging someone else’s personal property during a class
Do gyms need Public Liability insurance?
Though not a legal requirement, Public Liability insurance can help to protect you financially should a member of the public make a claim against you for injury or property damage.
If your gym or studio employs staff in the UK, Employers’ Liability insurance is a legal requirement. Employers’ Liability cover can either be taken out on its own through Ripe or selected alongside other cover.
What types of studios can I get cover for?
Fitness studio insurance through Ripe can cover various types of studios.
Common studios and facilities include:
- Dance studios
- Yoga studios
- Pilates studios
- Boxing gyms
- Pole dance or pole fitness studios
- Sports clubs or other related leisure group facilities
Plus, many more. The best way to find out if you can insure your studio through Ripe is to get a quick quote online.
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What does gym business interruption insurance cover?
Business interruption insurance is designed to help cover your gym or studio business should you have to shut your club down due to specific insured events that cause damage to your property. This could include flooding or fire damage to your facilities. Events such as these could lead to a significant drop in your business income, but business interruption insurance could help cover lost revenue or ongoing expenses, such as staff wages or rent, while your club is unable to operate.
Is my gym equipment covered?
Yes, where this cover is chosen through Ripe, your gym and studio equipment would be financially protected should it be stolen or accidentally damaged.
Who is covered under a gym insurance policy?
Through Ripe, any of the following will be insured under the policy where the relevant cover is selected:
- Directors or Partners
- Committee member or officer
- Employees
With Public Liability cover, you can also get cover for hiring out your gym for social or fundraising events.
How much does gym insurance cost?
The cost of your gym or studio insurance will depend on several factors, such as the size and location of your premises and the level of cover you choose.
The best way to get an accurate cost for your cover is to get a quote online.
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