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Gym & Fitness Centre Insurance

Reliable protection for your facility, staff and clients

Call Us: 1300 900 207

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Protect Your Property with Coverscope

1300 900 207

Why Insurance Matters for Fitness Businesses

Operating a gym or fitness centre involves constant movement, both on the floor and behind the scenes. With members using equipment daily, team-led classes, shared facilities and high traffic, incidents can happen without warning. Whether it’s a liability claim from a client injury or damage to essential equipment, the right cover helps safeguard your business and reputation.

Coverscope offers tailored insurance solutions that address the real risks gym owners face, from property damage and business interruption to professional liability. Our team understands the industry and works closely with you to provide comprehensive protection that supports long-term success.

What Your Policy Can Include

Core protections for facilities, assets and operations:

  • Public Liability
     Covers third-party injuries or property damage on your premises.
  • Property & Building Insurance
     Protects owned or leased buildings against fire, storm, flood and accidental damage.
  • Equipment & Contents
     Covers gym machines, electronics, fixtures, and fit-out against theft or damage.
  • Business Interruption
    Income protection if you’re forced to close temporarily due to an insured event.
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Who We Cover

Tailored insurance for commercial fitness businesses:

  • 24-hour gyms and fitness clubs
  • Boutique fitness studios and functional training spaces
  • Fitness complexes with shared amenities and multiple zones
  • Yoga, Pilates and barre studios with set locations
  • Group fitness and martial arts centres
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5 Star Google Reviews

We are proud to provide trusted business insurance solutions, backed by 5-star Google reviews. Experience peace of mind with coverage tailored to your needs and exceptional customer service you can rely on.

Coverscope 5 star google reviews

Cover Types Available

Coverscope packages are designed to address key operational risks:

Property and Building

Cover for fire, storm, vandalism, accidental damage and break-ins, whether you own or lease.

Public Liability

Financial protection if a client or visitor suffers injury or property damage in your facility.

Professional Indemnity

Covers legal costs if your business is accused of providing negligent fitness advice or instruction.

Equipment and Contents

Protection for gym machinery, fit-out, electronics, and essential tools of trade.

Business Interruption

Keeps income flowing if your facility shuts down due to an insured event, helping manage costs during closure.

Products Liability

Covers you if a product sold or provided on-site (e.g. supplements, apparel) leads to harm or complaint.

Theft and Vandalism

Protection against forced entry, malicious damage or stolen equipment.

Glass Cover

Optional cover for internal and external glass, mirrors, windows, and doors.

Your Trusted Business Insurance Partners, Wherever You Are

For immediate response please give us a call.

Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.

Find The Right Cover

Complete the form to request a QUOTE. Call us at 1300 900 207 for an immediate response.

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What to Know Before Choosing a Policy

Understanding your cover matters. Before taking out a policy, ensure the following points are clear:

Policy Limits and Sub-limits

Confirm total cover amounts and whether any categories (like equipment or glass) have separate limits.

Business Activities Included

Ensure the policy covers everything your gym offers, including higher-risk classes or equipment types.

Building and Property Protection

If you own or lease premises, make sure building cover includes damage from fire, weather, impact or break-in.

Equipment Coverage and Breakdown

Understand what’s defined as contents, fixtures or machines, and whether accidental damage and breakdown are included.

Business Interruption Triggers

Review how business interruption is activated, the waiting period, and what events are covered.

Policy Exclusions and Excesses

Check what’s excluded and how much you’ll pay out of pocket on a claim. Ask for a clear breakdown of exclusions and excess amounts.

What Affects Your Premium

Premiums are influenced by location, size, turnover, number of members, equipment value and class types. Maintaining safety standards may reduce your risk profile.

Ready to Get Covered? Let's Talk

Every fitness business is different. Our team will help you assess your risk and design a policy that matches your operations, featuring clear terms, practical inclusions, and no hidden clauses – just dependable protection tailored to your business.

Get in Touch

Simply fill in the form below and we’ll be in touch shortly, or feel free to call and tell us about your specific requirements.

  • Suite 77 Level  2/14 Edgewater Ct, Robina QLD 4226
  • PO Box 7005, Mount Crosby QLD 4306

Our team continues to work remotely but you are welcome to arrange an appointment with one of our consultants.

Please complete the form to submit an enquiry.

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