Business liability
A visitor slips on a wet floor, or your business damages someone else’s property: third-party injury and damage claims.
Limits up to $20M
Business insurance for gyms, yoga & pilates studiosCover that holds
Cover that holds
your studio steady.
Member liability, fit-out, equipment and lost income, priced live by Australian insurers.One flexible business pack: member liability, your fit-out and equipment, lost income and more. Priced live by Australian insurers, arranged by a broker who knows the fitness industry.
Real price in about 3 minutesPay monthly or yearlyA broker on your side at claim time
11cover sections in one pack
~3 minto a real, live price
Australianinsurers only
1-to-1broker support included
Who we coverEvery kind of floor,
Every kind of floor,
from barbells to reformers.
A boxing gym and a barre studio don’t carry the same risks, so they aren’t priced the same: the insurer rates your type of business, and you only answer for the sections you switch on.
Gyms & fitness centres
24/7 gyms, strength studios, functional training and group fitness: cover shaped around your floor, your gear and your members.
- ✓Member injury liability
- ✓Machines & free weights
- ✓Equipment breakdown
Yoga studios
From hot yoga to restorative classes: protection for your practice space, your props and the people on the mats.
- ✓Student injury liability
- ✓Fit-out & contents
- ✓Casual & visiting teachers
Pilates & reformer studios
Reformers are a serious investment. Cover for the machines, the studio around them, and every client you guide through a session.
- ✓Client injury liability
- ✓Reformer & apparatus cover
- ✓Lost income if you close
Personal training studios
One-on-one and small-group PT: cover for your space, your equipment and every client you put through a session, in your studio or theirs.
- ✓Client injury liability
- ✓Portable & studio equipment
- ✓Cover on the road
Health & wellness centres
Saunas, ice baths, infrared and contrast therapy: cover for your recovery equipment, the space around it and every client who books in.
- ✓Client injury liability
- ✓Sauna, plunge & chiller cover
- ✓Lost income if you close
What’s coveredOne pack. Switch on
One pack. Switch on
only what you need.
Eleven sections sit inside the GymCover pack. Most studios start with these six. You choose the sections, we size the limits and excess around how you run the place.
Property protection
Your fit-out, reformers, machines and contents: fire, storm, water and accidental damage.
You set the value
Equipment breakdown
Cardio gear, strength machines, HVAC and electronics that suddenly break down (wear and tear isn’t covered).
Repair or replace
Theft & money
Break-ins, stolen stock and contents, plus cash on site and on its way to the bank.
Contents & takings
Business interruption
The income you’d lose while an insured event keeps your doors closed.
For the period you choose
Portable equipment
Kit that leaves the building: PT equipment, laptops, speakers and mobile gear.
Cover away from site
Plus four more optional sections (glass, employee fraud, tax audit and gear in transit) if your space calls for them.
How it worksSorted between
Sorted between
classes, honestly.
No phone tag, no “a broker will call you back”. Three steps, and a real person checks every placement.
1Tell us about your space
A few quick questions about what you run, your turnover and your address. No documents, no phone calls, no jargon.
About 3 minutes
2See your real price
We price your risk live with the insurer and show the premium broken down to the cent. Pay yearly or monthly.
Live insurer pricing
3We place your cover
Apply online and our brokers place it with the insurer. Your policy number and documents land in your inbox.
Usually within one business day
Why GymCoverInsurance people who
Insurance people who
know the industry.
✓
A broker in your corner
Not a call centre. A licensed broker reviews every placement, and you can reach the same person when something changes.
✓
Only pay for what you switch on
Eleven sections, your choice. A yoga studio without a cash drawer shouldn’t pay for money cover, so it doesn’t.
✓
Everything up-front
The PDS, the limits, the excess and the full premium breakdown: all shown before you pay, not buried after.
✓
Not everything fits a form
If the insurer can’t price your business online, it goes to a broker, who takes it to an underwriter and comes back to you.
QuestionsAsked before,
Asked before,
answered plainly.
Something we haven’t covered? Ask during your quote or talk to a broker.
Gyms and fitness centres, yoga studios, pilates and reformer studios, PT and group-fitness spaces, and most wellness businesses. If you run something more unusual, start a quote anyway. Anything we can’t price online goes straight to a broker, not a dead end.
Eleven sections you can switch on or off: business liability, property protection, business interruption, theft, money, employee fraud, glass, portable property, equipment breakdown, tax audit and transit. You only answer questions (and pay) for the sections you choose.
It’s the insurer’s live price for your answers, with every fee itemised before you pay. A broker reviews your application when placing the cover. In the rare case anything changes, we confirm with you before your policy is bound.
Yes, yearly by card or bank transfer, or monthly by direct debit. Paying monthly is premium funding: a 12-month agreement with a premium funder, who pays the insurer for you. If you cancel the policy, any refund is worked out under the insurer’s PDS (less non-refundable government charges), and if you pay monthly it goes to the funder first.
Your policy is placed with Australian insurers. GymCover is the broker: we arrange the cover, place it with the insurer, and stay your point of contact for changes, renewals and claims.
Contact us first. We lodge the claim with the insurer, keep it moving and translate the process. You’re never left dealing with an insurer’s call centre alone.
Ready when you areGet a real price before
Get a real price before
your next class starts.
About three minutes of questions. No documents, no obligation, and a broker on the other end if you’d rather talk it through.