24 hour gyms can benefits from a range of insurance cover, including:

• Public and Employer’s Liability – Cover for any accidents and injuries that staff, customers, or other members of the public might sustain on your premises. This is particularly important cover for 24 hour gyms, as it can extend to periods when your gym is unsupervised.
• Professional Liability Insurance – This can cover you and your gym for injury or harm caused as a result of negligence, errors or omissions – such as poor advice or instruction from trainers.
• Buildings and Contents – This will cover your gym premises, as well as your equipment, along with any fixtures, fittings, and furniture, for repairs or replacements following loss, damage, or theft.
• Business Interruption – Your customers chose you because you operate around the clock. If you ever need to temporarily close due to an unexpected event, you will lose income, and some of your customers may demand refunds or discounts. But business interruption insurance can cover your overheads, along with any other loss of income, until you are able to open again.

Core areas of cover for 24 hour gyms can include:

• Public liability insurance
• Employer’s liability insurance
• Buildings Insurance
• Contents insurance
• Business interruption
• Professional Liability insurance
• Legal fees cover
• Cyber insurance

There will always be risks associated with running a 24 hour gym. But if you act to address these risks, you may be able to reduce the cost of your 24 hour gym insurance.

Take steps to keep your customers and your assets safe for any period during which your gym is unsupervised. This might involve:

• Installing advanced security and remote support systems.
• Automated fire safety systems that can prevent outbreaks from spreading.
• Introducing a robust onboarding process for gym members, to reduce the risks that they will accidentally injure themselves when using your facilities unsupervised.

We will take the time to get to know you and your gym, so that we can fully understand the specific risks you are facing. We can then advise you on steps you can take to address these risks, before helping you find a bespoke insurance package that gives you all the cover you need at the best price.

Tyne Hill

Senior Client Executive
M: 07591 386370