Specialist gym insurance for businesses and studio facilities
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Gym & Studio Insurance
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Why choose Ripe for gym insurance?
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Cover for your equipment on the move
Your equipment can be covered even when it’s away from the gym, so you are helped to stay protected wherever you work. *Terms apply.
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Quick and simple from start to finish
Check your cover options online in minutes, with no long forms and everything explained in plain English.
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Public and Products Liability up to £10m
Help with protection against claims for injury or damage, giving you peace of mind as you run your organisation.
Specialist gym insurance for business and studio facilities
Whatever your thing, running a gym, teaching classes, or building a studio, we know it matters. From members and staff to spaces and equipment, there’s a lot to look after day to day.
Gym and studio insurance by Ripe can include Public Liability, Buildings and Contents, Equipment, Business Interruption and Employers’ Liability, bringing everything together under one policy.
Previously available through Insure4Sport (a Ripe brand), gym insurance is now available online directly through Ripe, making it quicker and simpler to arrange cover that fits around your business.
Looking for sports club insurance instead? You can find out more about sports club insurance by Ripe.
What does gym insurance cover?
There are several cover options available with a gym insurance policy through Ripe. These can include:
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 £10k
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.
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.
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
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.
Gym insurance FAQs
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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.
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Yes, where this cover is chosen through Ripe, your gym and studio equipment would be financially protected should it be stolen or accidentally damaged.
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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.
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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.
Refer your friends and get rewarded
If you choose to refer your friends to us, not only will we reward you with a £50 voucher of your choice, but your friends could make some great savings too!
Content reviewed: February 2026
Content reviewed by: Dan Dawson