A member is injured training
A weight is dropped, a machine is misused, someone trips during unstaffed hours. Public liability responds to claims that you were legally responsible.
Insurance for gyms & fitness centresCover as hard-working
Cover as hard-working
as your floor.
24/7 gyms, strength studios, functional training and group fitness: your floor never really closes, and neither do the risks. GymCover arranges one flexible business pack for Australian gyms: public liability, your machines and fit-out, and the income you’d lose if you had to close. Priced live by A-rated insurers.
Real price in about 3 minutesNo lock-in contractsPDS before you pay
Up to $20Mpublic liability cover
~3 minto a real, bindable price
A-ratedAustralian insurers only
1-to-1broker support included
Made for your gymHowever members train,
However members train,
we cover it.
A gym floor carries risk from open to close, and 24/7 sites never really close. Heavy equipment, unsupervised hours and hundreds of members put more moving parts in play than a single studio.
GymCover’s questions adapt to how you run the place (staffed or 24/7 access, the machines and free weights on your floor, and whether you run classes) so you only pay for what fits.
- ✓24/7 & access gyms
- ✓Strength & barbell gyms
- ✓Functional & HIIT studios
- ✓Group fitness studios
- ✓Cross-training boxes
- ✓Multi-location gyms
Why it mattersThe risks a gym
The risks a gym
actually carries.
These are the moments cover is built for. A busy gym floor and its 24/7 access hours carry exposures a quiet studio never sees.
Equipment is damaged or stolen
Racks, machines and cardio gear are a major investment. Property and theft cover protect them against fire, storm, water and break-ins.
A machine breaks down
Treadmills, cable stacks, HVAC and electronics mechanically or electrically fail. Breakdown cover repairs or replaces them.
Your gym has to close
A fire or flood shuts the floor for weeks. Business interruption covers the income you would have earned while you recover.
What’s coveredOne pack. Switch on
One pack. Switch on
only what you need.
Eleven sections sit inside the GymCover pack. These are the ones gyms and fitness centres most commonly switch on. You choose the sections; we size the limits and excess around your floor.
Public & products liability
A member is injured on your floor or a machine, or you’re held responsible for damage to someone else’s property.
Limits up to $20M
Property & contents
Your racks, machines, cardio gear, fit-out and stock, protected against fire, storm, water and accidental damage.
Insured to value
Equipment breakdown
Treadmills, cable machines, HVAC and electronics that stop working through mechanical or electrical failure.
Repair or replace
Business interruption
The income you’d lose while an insured event keeps your doors shut and memberships on hold.
Lost income covered
Theft & money
Break-ins and stolen equipment or stock, plus cash on site and takings on their way to the bank.
Contents & takings
Portable equipment
Gear that leaves the building: PT kit, laptops, speakers and mobile equipment.
Cover away from site
Eleven sections in one pack. Glass, machinery, tax audit, transit and general property are there too if your studio calls for them.
Common questions
Good to know.
General information about cover for gyms & fitness studios. For advice on your situation, a licensed broker is a message away.
Ask us anythingWhat insurance does a gym need in Australia?
Most gyms start with public liability (for member injury and third-party property damage) plus property cover for their machines, fit-out and contents. Many also add business interruption for lost income, equipment breakdown, and theft & money. GymCover bundles these into one business pack so you switch on only the sections your gym needs.
Does public liability cover a member injured in my gym?
Public liability is designed to respond to claims where you’re found legally responsible for a member’s injury, for example on a machine or the training floor. Cover depends on the policy wording and the circumstances of the claim, which is why the PDS is shown before you pay and a broker is available to talk it through.
Can I get cover for a 24/7 unstaffed gym?
Yes. The quote adapts to 24/7 and access-controlled gyms. Because unstaffed hours change the risk, a few of the questions relate to how members access the site and how it’s monitored. Answering them accurately keeps your cover sound.
Are my machines and equipment covered if they’re damaged or stolen?
Yes. Property and contents cover protects your racks, machines and cardio gear against insured events like fire, storm, water damage and theft, and equipment breakdown covers mechanical or electrical failure. You insure them to their replacement value, which you set during the quote.
Does it cover group fitness classes and personal trainers?
The pack accounts for the classes you run and the trainers who work on your floor, including contractors, when you tell us about them during the quote. Getting this right up front keeps your cover accurate.
How much does gym insurance cost?
It depends on your turnover, floor size, the equipment you hold, your access model and the sections and limits you choose. Rather than quote a generic figure, GymCover prices your gym live with the insurer, usually in about three minutes, and shows the premium broken down to the cent before you decide.
Ready when you arePrice your gym before
Price your gym before
your next session starts.
About three minutes of questions. No documents, no obligation, and a broker on the other end if you’d rather talk it through.