24 Hour and unmanned Gym Insurance
Making Gains on your gym insurance
GymInsurance
Why Choose us?
SPECIALIST
Sport & Leisure Insurance is our core and our deep expertise ensures we navigate you to correct insurers, the right cover and a smooth claims process when called upon
SERVICE
We offer one point of contact throughout so any amendments, claims or questions you have go direct to contact - Email, phone our whatsapp - the choice is yours
INDEPENDENT
Whilst part of the FTC Insurance group, we are a truly independent broker. We are not tied to any insurer and work exclusively for your benefit.
HONEST PRICING
Buying insurance solely on price is tricky territory. We do everything to get good value on good, effective policies. We are honest and open with our costs and keep policy fees and interest rates for our clients very competitive
WE’VE GOT YOU COVERED
A policy with us ensures peace of mind , knowing you have placed it with specialists in your business and with you every step of the way!
TECHNOLOGY
As a group we have invested in AI technologies to help along the way, we do this to enhance your experience, but we always keep a real person just a conversation away
Why Choose us?
SPECIALIST
Sport & Leisure Insurance is our core and our deep expertise ensures we navigate you to correct insurers, the right cover and a smooth claims process when called upon
SERVICE
We offer one point of contact throughout so any amendments, claims or questions you have go direct to contact - Email, phone our whatsapp - the choice is yours
INDEPENDENT
Whilst part of the FTC Insurance group, we are a truly independent broker. We are not tied to any insurer and work exclusively for your benefit.
HONEST PRICING
Buying insurance solely on price is tricky territory. We do everything to get good value on good, effective policies. We are honest and open with our costs and keep policy fees and interest rates for our clients very competitive
TECHNOLOGY
As a group we have invested in AI technologies to help along the way, we do this to enhance your experience, but we always keep a real person just a conversation away
WE’VE GOT YOU COVERED
A policy with us ensures peace of mind , knowing you have placed it with specialists in your business and with you every step of the way!
FCA-authorised broker · Full-Time Cover Limited · Registered No. 09241439 · 10+ years specialist cover
We compare quotes from leading brands
We compare quotes from leading brands
What We Cover
Public Liability – Protection if a member or visitor is injured on your premises. Up to £10,000,000
Employer’s Liability – Covers claims from staff or trainers under your employment.
Professional Indemnity – For advice or instruction that leads to injury or loss.
Equipment Cover – Protection against damage, theft, or breakdown of gym gear.
Buildings & Contents – Cover for your premises, fixtures, and fittings.
Business Interruption – Compensation for lost income due to unexpected closure.
24/7 Access Risks – Cover tailored for unmanned or round-the-clock gyms.
Personal Trainer Cover – Includes on-site or off-site instruction liability.
Legal Expenses – Support for legal costs from disputes or claims.
Types of Fitness Facilities
24-Hour Gyms – Including key-fob or card-access facilities
Unmanned / Remote-Access Gyms – Tailored cover for staff-free environments
CrossFit & Functional Training Boxes – High-intensity risk coverage
Personal Training Studios – One-on-one or small group focused
Boutique Fitness Studios – Pilates, barre, HIIT, and more
Yoga & Meditation Studios – Low-impact environments, still covered for liability
Strength & Conditioning Facilities – Specialist equipment and coaching needs
Combat Sports & Martial Arts Gyms – Boxing, MMA, BJJ, and similar disciplines
Bodybuilding & Weightlifting Gyms – Heavier equipment, powerlifting areas
Hybrid Facilities – Gyms that combine multiple training styles or services
Leisure Centres - Including swimming Pools
Rock Climbing facilities
What Is Gym Insurance?
Gym insurance is specialist cover for fitness facilities, combining public liability, employers' liability, professional indemnity and equipment cover against the risks gyms actually face. As an independent broker, Gym Cover compares the market to find cover that fits how your gym operates, with no tie to any single insurer.
Want the full breakdown? Read our complete gym insurance guide.
Does public liability insurance cover a member injured overnight with no staff present?
Yes, provided reasonable steps have been taken to make the facility safe — working equipment, clear emergency contact information, and appropriate signage.
Do I need employers' liability insurance if my gym is fully unmanned?
If you have zero employees, you may not be legally required to hold employers' liability insurance. Most 24-hour gyms employ someone in at least a part-time capacity, which brings the legal requirement back into play, so confirm your specific setup with a specialist broker.
Why is 24-hour gym insurance more expensive than a standard gym policy?
Insurers price 24-hour and unmanned access as a higher-risk profile due to increased likelihood of theft, vandalism, and unsupervised injury.
How much does 24-hour or unmanned gym insurance typically cost?
Premiums vary significantly based on facility size, security measures, location, and claims history, but 24-hour access typically carries a noticeable loading above a standard staffed gym policy — often in the range of 15-30% higher, though your actual premium depends entirely on your specific risk profile. A specialist broker can give you a tailored figure rather than a generic estimate.
What security measures can help reduce my unmanned gym insurance premium?
CCTV coverage, key-fob or app-based access control, remote monitoring services, and documented maintenance schedules are the measures insurers most commonly look for.
Can I get insurance for a gym that's unmanned 24/7 with no staff at all?
Yes. Specialist gym insurance brokers work with insurers who understand and price for fully unmanned operations, a well-established model in the UK fitness market.
Does my policy cover equipment damage caused by a member during unsupervised hours?
Equipment cover typically protects against damage, theft, and breakdown regardless of when it occurs, though policies vary on exclusions for deliberate misuse.
What We Cover
Public Liability – Protection if a member or visitor is injured on your premises. Up to £10,000,000
Employer’s Liability – Covers claims from staff or trainers under your employment.
Professional Indemnity – For advice or instruction that leads to injury or loss.
Equipment Cover – Protection against damage, theft, or breakdown of gym gear.
Buildings & Contents – Cover for your premises, fixtures, and fittings.
Business Interruption – Compensation for lost income due to unexpected closure.
24/7 Access Risks – Cover tailored for unmanned or round-the-clock gyms.
Personal Trainer Cover – Includes on-site or off-site instruction liability.
Legal Expenses – Support for legal costs from disputes or claims.
Types of Fitness Facilities
24-Hour Gyms – Including key-fob or card-access facilities
Unmanned / Remote-Access Gyms – Tailored cover for staff-free environments
CrossFit & Functional Training Boxes – High-intensity risk coverage
Personal Training Studios – One-on-one or small group focused
Boutique Fitness Studios – Pilates, barre, HIIT, and more
Yoga & Meditation Studios – Low-impact environments, still covered for liability
Strength & Conditioning Facilities – Specialist equipment and coaching needs
Combat Sports & Martial Arts Gyms – Boxing, MMA, BJJ, and similar disciplines
Bodybuilding & Weightlifting Gyms – Heavier equipment, powerlifting areas
Hybrid Facilities – Gyms that combine multiple training styles or services
Leisure Centres - Including swimming Pools
Rock Climbing facilities
OUR 3 STEP GUIDE TO MAKING SURE YOU HAVE THE BEST COVER
We take time to get to know your business. Understand your demands and needs and what you're looking for. Through speaking to one of our advisors, you can be assured that all important details are correct - minimising any chance of dissapointment down the line should there be a claim
We go to market to present your policy - having taken the time to get to know your business, we find the right market for you and your needs.
Full market presentation back to you, making sure you are happy - we've got you covered!
OUR 3 STEP GUIDE TO MAKING SURE YOU HAVE THE BEST COVER
We go to market to present your policy - having taken the time to get to know your business, we find the right market for you and your needs.
Full market presentation back to you, making sure you are happy - we've got you covered
We take time to get to know your business. Understand your demands and needs and what you're looking for. Through speaking to one of our advisors, you can be assured that all important details are correct - minimising any chance of dissapointment down the line should there be a claim
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Gym Cover is a licenced trading name of Full-Time Cover Limited and is authorised and regulated by the Financial Conduct Authority.Registered in England and Wales at 3rd Floor, 8 Devonshire Square, London, EC2M 4PL. Registered number: 09241439.