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Gym and fitness center insurance

If you own a gym or studio, let Marsh arrange the right insurance – so you can stay focused on your business goals.

What does gyms and fitness center insurance cover?

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For your safety

Safeguard your business and your clients with comprehensive public and products liability insurance, and indemnity insurance for your gyms or fitness studio.

Public liability

Covers you for injuries or property damage incurred by other people (third-parties) during a session with you, or at your gym or studio. It includes cover for repairing or replacing property, and even legal costs.

Product liability

Helps protects your gym against claims of harm or damage caused by any products you sell or endorse. This is generally packaged together with public liability cover.

Professional indemnity

Professional indemnity cover helps protect you against allegations of professional duty breaches for the advice you give – even when you’re not at fault.

Property cover

If you’re looking to protect your gym or studio and its contents from unexpected scenarios, we can also arrange additional property insurance to cover your business for accidental damage, theft and fire.

Advertising liability

Can help provide protection against defamation, libel, slander, and even copyright infringement.

Limit of liability

Depending on your requirements, public liability cover can be arranged for $10 million or $20 million, and professional indemnity cover can be arranged for $10 million.


You’ll be covered at any worksite in any location Australia-wide – including when you’re in transit between different locations.

General exclusions

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.

High-risk activities

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

False advertising

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

Vehicles and vessels

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

Workplace injuries

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

Hazardous materials

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

Wear and tear

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

Product defects

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.

Slimming products

Use of metabolic drugs or slimming products.

Cyber breaches

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

Specified activities

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.

Faulty workmanship

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.

Additional cover we can arrange

Products and services

Cybersecurity insurance

Cyber attacks are becoming increasingly common. Protect your small business against cybercrime with insurance arranged by Marsh. 

Learn more

Products and services

Business vehicle cover

Need to travel from one job to another to keep your business running? Marsh can arrange business vehicle cover tailored to your needs.

Learn more


Personal trainer insurance

Want fitness insurance that doesn't weigh you down? Let Marsh arrange your cover – and get your certificate of currency in minutes.

Learn more

What is gym and fitness center insurance?

It pays to consider all the risks when it comes to insuring your gym or studio.

Events that can affect the operating cost of your fitness business include: 

  • Theft or damage of equipment 

  • Fire or flood damage 

  • Accidents involving injury 

  • Unexpected temporary shutdown or relocation. 

Marsh can arrange insurance to help your business recover and get you back on track.

Why Marsh?

Why should you choose Marsh to arrange your insurance solutions?

Trusted by 130 associations

We are proud to be the endorsed insurance broker for more than 130 Australian industry groups and member associations, developing insurance solutions that help meet the risk and insurance needs of businesses across a variety of industries.

Local expertise

Our Australia-wide network of brokers have spent years at the coalface supporting business owners manage their unique risks in a fast-changing market. They keep ahead of the latest market insights both local and global and break down the jargon into your language

Claims support

Handling an insurance claim can quickly become overwhelming, not least when your time is stretched to the limit keeping your business going in the backdrop. We help take the load off and manage, negotiate and settle claims with insurers on your behalf.

Trusted in the industry

With more than 4,000 fitness professionals already trusting Marsh to arrange their insurance, we understand your unique risk needs.

No lock-in membership

Not a member of any relevant association? That’s ok. Marsh is happy to arrange your insurance with no affiliation requirements.

Diverse cover options

From Tai Chi to CrossFit, we arrange business insurance solutions that cover a variety of fitness professionals.

Why use a broker?

Choosing business insurance means navigating through products, coverages and policy terminology – with a sales pitch as your only guide. An experienced broker will spot your unique set of risks, match you to the right choice, and advocate for you on price.

Frequently asked questions

Public Liability and Professional Indemnity insurance.

Public Liability insurance assists in protecting against claims for third-party injury or property damage arising from a negligent act. Equipment such as floor mats, kettle bells and weight plates can present real-life hazards when misused.

Professional Indemnity insurance can help protect against claims for alleged negligence or breach of duty arising from an act, error or omission in the delivery of professional services.

Different factors may influence the cost of insurance, such as:

  • The services you provide
  • The size of your company
  • Your annual revenue

When requesting a quote, you should ensure the declared value of your business is accurate so you get the correct premium and cover for your business.

There are multiple covers that will help ensure your gym or studio is covered across the entire business and these are;

  • Cyber Insurance
  • Workers Compensation
  • Management Liability

If you would like further information ask our experienced team members about these covers when obtaining a quote to gain further information on these different policies.

Related insurance solutions

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Zumba instructor insurance

Want to ensure you’re looking after your troop? You bring the rhythm – and we’ll arrange all your insurance needs.

Yoga teacher insurance

Looking to run your classes without any hassle? Let Marsh arrange your insurance needs – so you can spend more time on the mat. 

Pilates instructors

Marsh can arrange insurance to fit your business’s core needs, and get you a certificate of currency within minutes.

Swimming Australia

As the appointed insurance broker for Swimming Australia, Marsh has got you covered every day of the year – in and out of the pool.

Aussie Rules

Trusted by the AFL since 2004, Marsh helps protect affiliated clubs, members and volunteers across the AFL community.

Tennis Australia

Marsh arranges insurance for clubs, coaches, players and volunteers across the Tennis Australia community – both on and off the court.

LCPA 23/084

This is a general overview of the policy. Please call us and ask for a copy of the insurer’s policy wording. We recommend you read the policy wording, so you have an understanding of the policy terms, conditions and exclusions before you decide whether this policy suits your needs.

Marsh Advantage Insurance Pty Ltd (ABN 31 081 358 303, AFSL 238369) (“Marsh”) arranges the general insurance (i.e. not the Discretionary Trust Arrangement) and is not the insurer. This page contains general information and does not take into account your individual objectives, financial situation or needs. For full details of the terms, conditions and limitations of the covers, refer to the specific policy wordings and/or Product Disclosure Statements available from Marsh on request. Marsh makes no representation or warranty concerning the application of policy wordings or the financial condition or solvency of insurers or re-insurers. Marsh makes no assurances regarding the availability, cost, or terms of insurance coverage. Any statements concerning actuarial, tax, accounting, or legal matters are based solely on our experience as insurance brokers and risk consultants and are not to be relied upon as actuarial, accounting, tax, or legal advice, for which you should consult your own professional advisors. The Discretionary Trust Arrangement is issued by the Trustee, JLT Group Services Pty Ltd (ABN 26 004 485 214, AFSL 417964) (“JGS”). Any advice or dealing in relation to the Discretionary Trust Arrangement is provided by JLT Risk Solutions Pty Ltd (ABN 69 009 098 864, AFSL 226 827) (“JLT”). JGS and JLT are businesses of Marsh McLennan. The cover provided by the Discretionary Trust Arrangement is subject to the Trustee’s discretion and/or the relevant policy terms, conditions and exclusions.