Gym and fitness center insurance

These are some examples of the general exclusions in gyms and fitness insurance. Speak to your broker to find out more and download the policy document on this page for a full list.

Claims arising from activities such as combat sparring, rock climbing and boxing are not covered.

False advertising or mistakes made in advertising that affect your ability to deliver services to your client.

Use of business vehicles, as well as aircraft, hovercraft, watercraft or related products.

These include injuries to your employees. Generally, workplace injuries are not covered under public liability insurance – these may be covered under workers compensation cover.

The policy doesn’t cover loss or damage caused by asbestos, radioactive materials, pollution or contamination. 

Any loss or damage caused by general wear and tear such as gradual deterioration, rust or corrosion.

You’re not covered for the recall, repair, replacement or loss of your products if they are withdrawn from the market because of any defect or deficiency.

Use of metabolic drugs or slimming products.

This policy does not include cybersecurity-related incidents. Speak to your broker about additional cover options if this is of interest to you.

Some sporting activities are also excluded from this policy, including some contact sports as well as hazardous activities. For a comprehensive list, read the policy document on this page.

Generally, any workmanship errors that need fixing won’t be covered, unless it causes injury to a third-party.*

* Generally, your workmanship errors that need fixing won’t be automatically covered by public liability insurance. However, if the error causes third-party injury, it may be covered under your public liability policy. Talk to us about policy solutions that can extend to include this cover.