Quiz · Gyms & Fitness Studios

Match your facility to the right insurance package

Match your facility to the right insurance package

UK Gyms & Fitness Studios

A gym is premises risk, equipment risk and member risk in one building. Six questions to find who should insure yours.

Answer the questions below; each option points toward the providers whose cover fits that answer. Your closest matches are the providers your answers point to most often.

Question 1: What kind of facility do you run?

  • Boutique studio or box (classes-led)
  • Points to: Insure4Sport (+2), Simply Business (+2)
  • Full-service gym
  • Points to: Salon Gold (Fitness Gold) (+2), AXA (+2)
  • Multi-site or large facility
  • Points to: Specialist leisure broker (+3)

Question 2: Any of these features?

These change the risk class significantly

  • Pool, sauna or steam room
  • Points to: Specialist leisure broker (+3)
  • 24-hour / unstaffed access
  • Points to: Specialist leisure broker (+3)
  • Combat sports programme
  • Points to: Specialist leisure broker (+2), Insure4Sport (+1)
  • None of these
  • Points to: Simply Business (+1), Insure4Sport (+1)

Question 3: Who trains members?

  • Employed staff
  • Points to: AXA (+2), Salon Gold (Fitness Gold) (+1)
  • Freelance PTs renting floor space — Verify their own cover and reflect the arrangement in yours
  • Points to: Simply Business (+1), Insure4Sport (+1), AXA (+1)
  • Both
  • Points to: AXA (+1), Salon Gold (Fitness Gold) (+1), Specialist leisure broker (+1)

Question 4: How much is your equipment and fit-out worth?

  • Under £25k
  • Points to: Simply Business (+2), Insure4Sport (+1)
  • £25k–£100k
  • Points to: Salon Gold (Fitness Gold) (+2), AXA (+1)
  • Over £100k
  • Points to: Specialist leisure broker (+2), Salon Gold (Fitness Gold) (+1)

Question 5: If the building closed for 3 months?

  • Revenue stops — I need business interruption cover
  • Points to: Salon Gold (Fitness Gold) (+2), AXA (+1), Specialist leisure broker (+1)
  • We could operate elsewhere
  • Points to: Insure4Sport (+1), Simply Business (+1)

Question 6: How do you want to buy?

  • Online, quickly
  • Points to: Simply Business (+2), Insure4Sport (+1)
  • From a fitness-sector specialist
  • Points to: Insure4Sport (+2), Salon Gold (Fitness Gold) (+2)
  • Through an advising broker
  • Points to: Specialist leisure broker (+3)

Providers in this tool

Insure4Sport

Gym and fitness studio packages from a sports specialist — a natural fit for boxes and boutique studios, Aviva-backed.

https://www.insure4sport.co.uk/

Salon Gold (Fitness Gold)

Markets some of the widest gym packages available — buildings, contents, business interruption, glass and money cover.

https://www.salongold.co.uk/health-and-fitness-insurance

Simply Business

Multi-insurer premises packages — the quick benchmark for small studios.

https://www.simplybusiness.co.uk/

AXA

Household-name liability, employers’ liability and contents cover for straightforward facilities.

https://www.axa.co.uk/business-insurance/

Specialist leisure broker

For pools, saunas, combat sports, 24-hour unstaffed access or multiple sites — features that sit outside standard online wordings and need broker-placed cover. Find one via BIBA.

https://www.biba.org.uk/find-insurance/

This tool gives a guide match based on typical product features, not financial advice. Cover details, prices and review scores change — always read the policy wording and compare at least two quotes before buying. Information last checked June 2026.