Gym insurance

Provide us with your details and one of our insurance experts will contact you to discuss your requirements

Success

Thanks for registering.

We'll get back to you straight away

Mike maur
It's been a pleasure dealing with Elizabeth, Def a Gem for her business. Amazing communicator and process dealing with all the paperwork was made easy and stress free. Keep it up !
Nov 28, 2024
Nasir Abbas Kazmi
I applied vehicle Finance through Swoop & lady Ikra help me from Beginning to end,she s very professional & helpful. Its just took 3 to 4 days & now i got new vehicle. I received Best customer services from Ikra & High recommend for this Swoop Finance.
Nov 26, 2024
Hazel Cuizon
Ayesha was very prompt and friendly to deal with and answered all my questions in a timely and professional manner. Very happy, highly recommend 🙂
Nov 24, 2024
Andrew Frazer
Cynthi was a fantastic help in organising what was needing and obtaining finance
Nov 8, 2024
Chris Skeates
Predrag and the Swoop team have been outstanding. Very attentive to our needs and staying on top of our funding request with their partners.
Oct 24, 2024
Leo Tsuo
Great experience. They quickly understood my needs and was fast to find a lender that met those needs. Highly recommend
Oct 22, 2024
Kash De Silva
I had a fantastic experience working with Elizabeth Tan for my business lending needs. She provided exceptional support and guidance, helping me navigate the process with ease. Her expertise and dedication were instrumental in taking my business to the next stage. I highly recommend her to anyone looking for lending assistance!
Oct 15, 2024
Shannon T
Cynthia has gone above and beyond, explained the process, consequences, and found me the most suitable solutions for my business in a very busy time! I found the help (even before I was guaranteed to use them) invaluable and the help made all the difference!
Oct 9, 2024
Jon Marc
Swoop came in at just the right time and there help was very much what took me over the hump to expand. They really know how to help and they follow up and make sure you’ve been taken care of!
Oct 8, 2024
Tendekai Mutemeri
Would recommend anyone to use my lovely lady, she went above and beyond to get me my business finance, the response when I had a question about anything and everything was on point, got me the deal I could have asked for, please use her services 🙂 😊 😀
Sep 6, 2024
North-CM
Ikrah was really phenomenal in providing finance for our company. Her communication was absolutely brilliant. Ikrah surpassed our expectation and really went above and beyond in ensuring all our needs were met as a business and we were satisfied on a whole. Absolutely pleasure to deal with Ikrah I shall ensure to pass your details on with other business associates. By far the best service I have ever been provided with…. 10/10
Sep 6, 2024
Aldo
Absolutely wonderful service. Cynthia was proactive, professional and 100% committed to get the best result for my company. I have not seen this performance in other companies in the last years and I am very difficult guy to deal with. Keep doing what you are doing Cynthia great job. Thank you.
Aug 29, 2024
Andy De Silva
Very helpful team I was kept in the loop throughout the whole process very happy with the APR rate quoted & received for my business loan I would certainly recommend using Swoop & will use again for future business development loans if required.
Aug 16, 2024
Consumer
Cynthia was fantastic! So quick and efficient at sorting out our finance and getting the best rate possible! Highly recommend.
Aug 12, 2024
Uchenna
Dave Cummings was amazing with helping my business secure funding for a company car. He was very patient and pleasant to work with. I highly recommend Swoop Finance for your business.
Aug 1, 2024
Brian Hardy
Working with Swoop made things easy, he provided us with two solutions to have available to support our growth and they work well. Having connections across North America (even Mexico) and beyond, definitely recommended.
Jul 31, 2024
Michael Fisher
Extremely quick quality service, Adrian was first class in answering any queries I had regarding the finance he had arranged for us. The whole process was pretty painless. Would most definitely recommend Adrian and Swoop
Jul 31, 2024
ACU
Fareeha's turnaround time in getting back with me after my initial call with her was very expedited and an overall great experience. Her overall efficiency, precision, and customer service is impeccable. I am thankful that she took my initial call (by way of Evelyn - Another 5 Star Swoop Employee). It has been a peaceful & solution-oriented experience thus far!
Jul 26, 2024
ACU
Evelyn was very informative and helpful in my first time contacting Swoop. She was very transparent and honest in her interactions and responses. Very on point employee in your company!
Jul 24, 2024
DriveNet, Ltd
I worked with Pedja at Swood to secure a term loan with BDC. What Pedja did that I could not was find the right contact at BDC to speak to. I had actually spoken to BDC before speaking to Swoop and they passed on partnering with us. Sometimes with financing it is who you speak to and Pedja introduced us to his BDC contact who was able to help us secure funding. It was as simple as an introduction but it made all the difference.
Jul 23, 2024
    Add a header to begin generating the table of contents

    Page written by Chris Godfrey. Last reviewed on September 24, 2024. Next review due October 1, 2025.

    No matter if they’re pumping iron to build muscle, swimming laps to lose weight, or playing sports for fun or competition, millions of US fitness lovers visit gyms and fitness centres every year. With such large numbers using these facilities, gym owners and operators need comprehensive gym insurance to offset business risk.

      Add a header to begin generating the table of contents

      Why do you need gym insurance?

      The US is on a fitness boom and gyms and fitness businesses are busier than ever. Unfortunately, with this good news also comes some bad: High levels of foot traffic, heavy weights and machinery, and trip and slip hazards such as shower floors, make gyms more vulnerable to accidents and personal injuries than many other businesses.

      Claims for back and limb injury, crushed fingers and toes and stolen personal property are common to the industry – and the potential for compensation claims, some of which could run into the tens or even hundreds of thousands of pounds is ever present. This is why gym owners, fitness centre operators, and personal trainers need gym insurance to protect them if the worst should ever happen. 

      What insurance do gyms need?

      Gym insurance is an umbrella term for a range of business insurances that can provide protection against almost every type of negative event. Important insurance includes:

      Public liability

      Public liability insurance protects your gym or fitness business if someone is injured, or their property is damaged because of the services that you or your business provides. This type of cover, also known as PL or Liability Insurance, is designed to protect your business against third party claims for injuries or property damage from a customer or client, passer-by, or a visitor to your gym – whether you’re at fault or not. 

      Employers’ liability

      Employers’ liability insurance is a legal requirement for most US employers. EL protects you and your employees, (including those who no longer work for you), should they be injured or become unwell as a result of working for your business. EL typically covers the associated legal and compensation costs, and other damages of such events, but it can also cover accidental injury or damage caused by an employee to a third party, such as your customers. 

      Buildings & contents cover

      Building and business contents cover for gyms can help to rebuild or repair your building (if you own it) and replace the contents of your business premises in the event of fire, flood, theft, and accident. Use building insurance to protect the fabric of your building and contents insurance to pay for new fixtures and fittings, equipment, stock and samples and employees’ personal belongings if they’re damaged, lost, or stolen. 

      Business interruption cover

      Business interruption insurance covers you for lost income if you or your gym is unable to operate due to an unexpected event. This would include incidents such as: Fire and flooding at your premises. Power blackouts. Major equipment failure. Supply chain issues beyond your control.

      Fantastic claims handling

      Gyms can be very busy places with large numbers of people using heavy machines and lifting heavy weights. This means the potential for accidents and personal injury is high – and so is the risk of compensation claims from your customers. When seeking gym insurance, you need to know that if someone makes a claim against you or your business, an expert claims handler will be on your side. Register with Swoop to find out more about this important necessity and to discover the insurers with the best claims handling reputations.

      What does gym insurance cover?

      Gym insurance can cover fitness businesses – including personal trainers – against:

      • The costs of any claims by third parties or your employees for personal injuries or property damage they say has been caused by your business. The cover may also include your legal expenses or those claimed by the other party
      • Claims from third parties who say they have been harmed by the products you sell
      • Loss of equipment, stock, fixtures and fittings due to fire, flood, theft or vandalism
      • Downtime or closure of your gym due to damaged equipment or premises
      • Damage to or complete loss of your business premises if you own the building
      • Damage to your business reputation or loss of trust by your customers

      How much does gym insurance cost?

      Premiums for gym insurance can start at less than $25 per month, but just as no two fitness businesses are alike, no two gym insurance needs are the same. The price you pay will depend on your business type, where you are located, your turnover, the risks attached to what you do or sell, and a variety of other factors unique to your gym.

      How Swoop can help

      All business involves risk, but that doesn’t mean you have to suffer the consequences if things go wrong. Don’t let your clients’ enthusiasm to lose weight and get fit cause your fitness business to lose money or go broke. Contact Swoop today to compare top-quality gym insurance from a range of providers and to discuss all your business insurance needs. 

      Written by

      Chris Godfrey

      Chris is a freelance copywriter and content creator. He has been active in the marketing, advertising, and publishing industries for more than twenty-five years. Writing for Wells Fargo Bank, Visa, Experian, Ebay, Flywire, insurers and pension funds, his words have appeared online and in print to inform, entertain and explain the complex world of US consumer and business finance.

      Swoop promise

      At Swoop we want to make it easy for SMEs to understand the sometimes overwhelming world of business finance and insurance. Our goal is simple – to distill complex topics, unravel jargon, offer transparent and impartial information, and empower businesses to make smart financial decisions with confidence.

      Find out more about Swoop’s editorial principles by reading our editorial policy.

      Get in touch today to start your business insurance quote

      Ready to grow your business?
      View more Get a quote

      Clever finance tips and the latest news

      delivered to your inbox, every week

      Join the 70,000+ businesses just like yours getting the Swoop newsletter.

      Free. No spam. Opt out whenever you like.

      Looks like you're in . Go to our site to find relevant products for your country. Go to Swoop