Running premises full of heavy equipment and members – a commercial package covering member injuries, expensive kit, and the income lost if the doors have to close.
Treat gym insurance as four decisions – liability limits (£5m/£10m), the freelance-PT arrangement, equipment and premises sums insured, and business interruption – and be scrupulously accurate about activities and access arrangements. The premium difference for disclosing your sauna is small; the claims difference for not disclosing it is total.