Whether you run a boutique studio, CrossFit gym, franchised location or a large commercial gym, choosing the right insurance cover is essential to protect your business, staff and members. Gallagher designs effective, affordable insurance programs that are built around the specific risks studio owners face — from class delivery and personal training to high value equipment, retail operations and franchise obligations.

Think of our insurance like a customised training plan, we assess your studio's needs, recommend the right mix of public liability, professional indemnity, personal accident and management liability, then finetune limits and endorsements so your studio stays protected and operational.

Insurance solutions for gym studio operators

Accidents can occur in any workout environment — from slipping on a mat in a group class to equipment failure during personal training. Our gym studio insurance combines public and product liability with professional indemnity to protect your premises, trainers, members, and reputation. Packaged policies cater to studios of every size, offering risk management tools, fast claims support, and competitive premiums so you can focus on running safe, successful classes and a thriving business.

A flexible policy that bundles multiple covers under one renewal, reducing paperwork and often saving cost compared with separate policies.

Covers legal defence, settlements and medical costs if a member, visitor or third party is injured on your premises or harmed by products you supply.

Covers claims arising from negligent advice or instruction, helping protect your studio's reputation and legal costs.

Covers alleged malpractice, wrongful acts or breaches of duty by directors and managers — ideal for franchise owners and multi‑site operators.

The benefits of working with a Gallagher insurance broker

As a gym studio owner, there are numerous benefits to partnering with a Gallagher insurance broker. Our brokers provide invaluable support and help you understand the risks associated with your business, along with the necessary coverage considerations. Here are some advantages of working with our brokers:

  • Resources: a broker has access to an extensive choice of insurers and product solutions, often not available elsewhere
  • Service: our brokers take the time to understand your insurance needs. We pride ourselves on our claims performance, guiding and supporting clients to achieve optimal outcomes.
  • Terms: a broker may be able to negotiate for more advantageous terms or scope of cover through their relationships with insurers
  • Comprehensive coverage: a broker may be aware of risks in your operations that you don't realise or may have overlooked
  • Industry knowledge: a broker who specialises in working with gym studio owners often has greater depth of knowledge of the potential risks involved.

Find out more

For advice and a tailored quote for your gym studio contact us on 1800 271 193.

If you are fitness professional looking for individual professional indemnity or public liability insurance, please visit here.

Why choose Gallagher

  • Specialist advice from experienced experts
  • Technical expertise and practical knowledge
  • Local branches backed by global reach
  • Priority claims service when you need it most

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