Why do I need gym member insurance?
Whether you’re doing cardio or strength training, you’re at a high risk of injury when you’re pushing your body to its limits.
Even with proper form, there’s constant pressure on your knees and joints and one slip could stop you being able to exercise or affect your ability to work. There’s even a chance you could injure somebody else or damage their property and be held responsible.
That’s why you need gym member insurance. We can help you with the unexpected costs of an injury or compensation claim, so you can focus on getting back on track.
With Insure4Sport, you can create your gym member insurance policy from a range of cover options, including; Personal Accident, Public Liability, Professional Indemnity, Loss of Earnings, Equipment and Employers’ Liability.
What does gym member insurance cover?
Personal Accident covers you if you require treatment:
When you’re training at the gym, there’s always the possibility of overdoing it and injuring yourself.
If this happens, you need Personal Accident cover. This compensates you for accidental death, permanent disablement and loss of limbs as a result of your gym related injury. You’re also covered for broken bones, loss of sight, dental treatment, hospital admission and physiotherapy.
- As part of our Personal Accident cover, we also offer the option of Loss of Earnings cover, meaning you’ll be financially supported if you’re out of action.
Public Liability protects you against third-party injury or property damage:
When you’re at the gym, it’s likely you’re sharing it with other people and using equipment belonging to the gym.
Even if you’re really careful, there’s a chance you could accidentally injure somebody else or damage the gym’s equipment.
If this happens, Public Liability protects your legal liability if a claim is made against you.
- We offer Public Liability cover for up to £1 million, £2 million, £5 million or £10 million.
Compensation for equipment repairs and replacements:
The fitness industry is bigger than ever and the equipment on the market is only getting better and more expensive.
Imagine if your gym equipment was lost, stolen or damaged and you desperately needed repairs or replacements. Without Equipment cover, you’d have to pay for replacements out of your own pocket.
- We even provide cover for items less than a year old on a new-for-old basis.
Why choose our gym members insurance?
Participants
At Insure4Sport, we understand the risks that come with gym training. That’s why we’ve created a specialist policy for gym members and fitness class participants. We tailor our policies to your needs and make it all as easy as possible.
Our Lowest Price Guarantee means we won’t be beaten on price, so get an instant online quote with us today to ensure you’re not off the mat for long.
Public Liability Insurance covers you for third party injury or damage to property.
Professional Indemnity Insurance protects you from legal action following advice given.
Provides financial support should you receive an injury whilst carrying out the activity which you are insured and you are unable to work. The maximum benefit period for this cover is 52 weeks. There is an excess of 14 days on this section.
Personal Accident Insurance (sometimes referred to as Sports Accident Insurance) ensures that should an accident occur whilst carrying out the activities for which you are insured you will be entitled to compensation.
insure4sport provides a benefit for Accidental Death, Permanent Disablement, Loss of Limbs and Sight up to £50,000. Plus there is cover in place should you require Physiotherapy or Emergency Dental Treatment. We will also financially compensate you should you require a hospital stay or break a bone.
Provides protection against loss of, theft or damage to your valuable sports equipment should the unthinkable happen. Cover for items less than a year old is on a new for old basis. A Single Article Limit of £2,500 and a £50 excess applies to all claims. Sports equipment excludes bicycles and bicycle accessories. This cover is however available through our bespoke bicycle product “Cycleplan”. Please visit www.cycleplan.co.uk for further information.
Employers Liability insurance will enable you to meet the cost of compensation for your employees’ injuries or illness whether they are caused on or off site. If you are a business or employee people this is a legal requirement.
If you employee volunteers you should still select the option but leave the wage roll values clear.
Participant to Participant Liability provides cover if one of your participants/players injures another participant/player during a sport where tackles, scrums, mauls, or throws are permitted (e.g. football or MMA). If you’re a coach or instructor, and you are deemed liable, then you will be protected.
The sports we cover
We cover a range of sports and activities under our sports coach insurance. Enter your main sports in the box below to check if we cover it, or go to our covered sports page to see a full list of sports.
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