Insurance for gyms, studios and personal trainers
From 24/7 gyms and boutique studios to yoga and pilates, martial arts, bootcamps and mobile personal trainers, we arrange insurance for fitness businesses Australia-wide.
When people exercise, injuries happen, and your equipment and fit-out are expensive to replace. We compare cover across a range of insurers and help you set up protection that fits the way you train.
Covers to consider
Every business is different. Depending on what you do, a sensible program may include:
Public liability
Injury to members, clients or visitors, such as a slip in the change rooms or equipment failure on the gym floor.
Professional indemnity
Claims that your instruction, programming or advice caused injury or loss, for example an unsuitable program or poor supervision.
Business pack
Fit-out, equipment, stock, glass, theft and business interruption if your gym cannot open after an insured event.
Portable equipment
Weights, mats, kettlebells, bikes and gear you take to parks, homes and outdoor sessions.
Management liability
Employment disputes, statutory fines and claims against owners and directors.
Cyber insurance
Membership system outages, payment data breaches and ransomware.
Who it's for
- Gyms and 24/7 gyms
- Personal trainers
- Group fitness and bootcamps
- Yoga and pilates studios
- Martial arts and boxing
- CrossFit and functional training
- Dance studios
- Online coaches
Many councils, parks and leisure centres ask trainers for a certificate of currency and a minimum public liability limit before you can run sessions.
Real risks we help you plan for
Client injuries
A client is hurt during a session and says the exercise was unsafe or poorly supervised.
Equipment failure
A cable snaps or a machine fails, injuring a member.
Unsupervised hours
24/7 access gyms carry extra risk when no staff are on site.
Outdoor sessions
Park and beach sessions bring uneven ground, weather and members of the public into play.
Theft and break-ins
Expensive equipment and electronics are a target, on site and in vehicles.
Advice beyond training
Nutrition or rehab guidance outside your qualifications can fall outside your cover.
How we work with you
Independent broking, Australia-wide, with one point of contact.
- We learn how your business runs: services, turnover, staff, premises and contracts.
- We compare cover across a range of insurers and explain the key inclusions, exclusions and limits in plain English.
- We help with certificates of currency for landlords, leases and contracts.
- We support you at renewal, when your business changes, and through the claims process.
Frequently asked questions
Do personal trainers need both public liability and professional indemnity?
Most do. Public liability covers injury or property damage, while professional indemnity covers claims that your instruction or advice was negligent. Many fitness policies combine both, and many industry bodies and venues expect both.
Am I covered training clients in parks or their homes?
Many fitness policies cover sessions at multiple locations, but some limit cover to listed premises. We check that your policy covers everywhere you train, and that council permit requirements can be met.
Does my policy cover online coaching?
Not always. Online and international clients can be excluded or restricted. Tell us how you deliver sessions and we'll find suitable cover.
Are member waivers enough to protect my gym?
Waivers can help, but they don't remove every legal liability and won't pay your legal costs. Insurance is still important.
Can you insure a 24/7 access gym?
Yes, subject to insurer acceptance. Insurers will want details of access control, CCTV, emergency procedures and staffed hours.
Talk to us about your cover
We will review how and where you train, your equipment and your contracts, and talk through your options. Call us, email us or request a callback. We service businesses Australia-wide.
Get in touch
- Phone
- (03) 9078 6473
- info@mminsure.com.au
- Hours
- 9:00am to 5:30pm, Monday to Friday
General advice warning: This information is general advice only and does not take into account your objectives, financial situation or needs. Before acting on it, consider whether it is appropriate for you and read the relevant Product Disclosure Statement (PDS) and Target Market Determination (TMD), available from us or the insurer, and our Financial Services Guide (FSG). Cover is subject to the insurer's acceptance, terms, conditions, limits and exclusions. We make no guarantee that cover will be available or that any claim will be paid.
M & M Insurance Services Pty Ltd ABN 54 664 837 138 is an Authorised Representative of Ausure Pty Ltd ABN 94 096 971 854 | AFSL 238433. Please read our Financial Services Guide.