Fitness Insurance Policies
Too High? Try Us!


 Gym & Fitness Insurance Australia wide
Including: Gyms 24-7 / PT Studios / Health Clubs / Yoga / Pilates / Group Fitness /
Martial Arts
Phone: 03 8201 9908 
Mobile: 0451 331 958

All the fitness services you need, in one place

Have you added martial arts / combat sports, rock climbing / bouldering or other classes / activities to your facility?
They may not be included in your standard gym / fitness centre insurance policy, so give us a call to review your coverage.

Our specialities are Gym, Fitness, Health Clubs, Activity Centres, PT Studios, Sports and Martial Arts insurance -

MARTIAL ARTS, FITNESS & INSURANCE EXPERIENCE
With 50+ Years of experience working in the gym / fitness and martial arts industries and over two decades in the insurance sector,. We know this niche insurance market and understand what risks businesses face and therefore what they need to be covered for, without leaving gaps.

MARTIAL ARTS & FITNESS INJURY CLAIMS

Defending a claim without the appropriate preparation can put unnecessary stress on a business owner. Gym Insurance Brokers can review all the various risk factors of your business and make sure you have the appropriate procedures, in place to make a claim process easier and less painful.

SPECIALIST BROKER FOR MARTIAL ARTS CLUBS & GYMS

Finding the right product to cover all your fitness business operations can be hard, especially when insurers change wording / add exclusions and businesses change their activities. A specialist Gym Insurance Brokerage focuses on your fitness operations especially when adding new activities (classes such as martial arts) and industry changes, that may impact a businesses risk rating. Let's bring you up to date!

GYM INSURANCE FAQs

Here some Q&A to help you better understand public liability insurance and how to reduce the chance of a claim to get better rates

  • What level of liability fitness insurance do you need?

    The fitness industry standard is $10mil but venue and landlords are asking for $20mil. This is also packaged with Professional Indemnity or Civil Liability of $5mil - $10mil but generally the lower is enough.

  • Is there an excess to pay when you claim on your fitness insurance policy??

    As a standard there is usually $1000 or up to $5000 deductable with fitness public liability insurance in the event you need to claim. However you can access a NIL Excess policy through us.

  • Will a fitness public liability claim against your gym, raise your insurance renewal costs?

    Yes it can, especially if it is a significant amount that has been paid out. Other factors contributing to this price hike will be that the gym didn’t have very good incident reporting process, or the client didn’t sign a waiver, or the waiver wasn’t appropriate, the instructors were not industry qualified, or the operator was grossly negligent operating unprofessionally.

  • If the fitness insurer has put up your insurance premium due to a claim, can you just switch insurers to get a better deal?

    You can ask your fitness broker to try other insurers, but you will have to disclose all your previous claims for the past five years. There are a limited number of insurers that cover gyms and virtually only two, that will include martial arts. Your broker may recommend staying with the same insurer with a premium increase for 1-2 years rather than go to market. Having your public liability claim processed painlessly, should give you confidence, that you have the right insurer, as some that are cheaper, maybe a nightmare in the claims department. Your broker will advise you on the right insurer, based upon claims handling and price, as they have relationships with a number of them.

  • Why can’t some fitness brokers get the best rates for your gym?

    - Some fitness brokers belong to a buying group so their volume gives them better buying rates

    - Some gym insurance brokers only get quotes from a couple of insurers and not from the full market

    - Your gym may have had a number of claims, so your premium maybe loaded or terms not offered

    - You may conduct activities that only a few insurers will cover reducing options

  • How much is gym insurance?

    Prices will vary based upon the number of members, the annual turnover, state stamp duties, level of cover, fitness broker fees and insurer's rates. You can obtain 10mil PL & 5mil PI/CL for under $1000 per year for a small gym.

  • How can gym owners reduce their fitness public liability insurance?

    - Have a low claims ratio and/or have high level risk management policies.

    - Have the highest qualifications for their instructors and constantly improve them

    - Regularly do your own or get an independent risk assessors to review/audit your facility. 

    - Invest in more cameras to capture incidents, making it easier for insurers to defend against a claim.

    - Ask their gym broker for a multi policy discount (purchase a biz pack or another policy)

    - Find a gym broker with preferred rates (special program) where they pass on the rates to the client.


  • What do you do in the event of a fitness public liability claim against your gym or yourself?

    - inform your gym broker of an incident that may develop into a claim

    - do not compromise the insurer’s ability to defend the claim.

    - capture all the information relating to the training incident in a comprehensive report (incl witnesses, video footage etc)

    - capture all communication with the injured party relating to the incident (phone, emails, social media posts)

    - do not admit fault to the injured party

    - do not hand over your insurance details to the injured party 

    - do not to offer an injured person a financial payout as this may be deemed an admission of liability

    - do show concern to the injured fitness member, put their membership on hold and wish them a speedy recover to return


  • Are all gym public liability claims defended by the insurer?

    No, as it depends on a number of factors that need to satisfy the fitness insurer’s criteria. They have the right to decline a claim, if they are not met. Here are a number of items, that may prevent a claim from being supported by an insurer.

    - If there isn’t a proven physical injury registered recorded at a gym facility.

    - If the gym doesn’t have a current financial policy.

    - If the gym, fitness centre didn't pay the premium before the end of the insurer’s trading terms.

    - If the gym hasn’t met their obligations of the policy


  • What is the time period for a public liability claim to be accepted?

    The maximum period is 7 years, but we have only experienced claims going back 4-5 years. We found that a number of gym owners didn’t keep adequate records of incidents. This would then compromised the insurer’s ability to defend the claim, making it harder to win the case. This is why it is essential for gym owners to keep comprehensive records of all claims for 7 years. 

Hope that was helpful!    Still have a question about fitness insurance?   
We have MORE GYM FAQ HERE or call us directly.

Review your Gym insurances via our:

Fitness Business Health Check

Possible Outcomes:
- More comprehensive coverage
- No doubling up on a policy
- Better understanding of how insurance works
- Reduction in annual premiums

This keeps you up to date on various the fitness insurance changes to policy wordings and exclusions that could have an impact on a claim being covered. It also points out ways to reduce gym insurance premium costs, confirming if you having double up on a policy or have gaps in your cover that need to be filled.


We feel this is one of the best services available, due to the peace of mind it gives you. Knowing you have done your due diligence to review your policies in detail, gives you great satisfaction. This is because you will now fully understand what you are covered for and what you are not,  how fitness insurance premiums are calculated and what options you have.

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