Gym and Health Clubs Insurance

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Gym Liability Insurance Advantage

Comprehensive Cover
Offers complete cover which includes bodily injury, property damage, errors or mistakes made by staff, equipments or machinery breakdowns, etc. You can select the policy according to your requirements and depending on your specific risks. The insurance coverage depends on factors such as the size of the facility, the services offered, the number of employees, number of customers etc.
Dedicated Servicing Team
Insurance is designed specifically for your unique risks and concerns regardless of the type of gym or health club you run. Also a specialized servicing team will be dedicated towards your policy. You can contact SecureNow for any requirements. We also track your insurance carefully and help renew your insurances with any relevant changes.
Cost Effective
The premium for insurance depends on various risks which you need to insure. These risks includes injury, faults in equipments and nutritional diets. Premium will be minimized depending on the provisions undertaken to reduce the risks, for example, fire alarms, creating written customer service policies, ensuring that your employees are experts and licensed.
Customize Your Insurance
Customize the policy according to your needs. The policy offer wide range of coverage to the fitness professional like personal trainers, small gym owners, yoga instructors, pilates instructors etc. Also with some of the special liability exposures, you can protect yourself against litigation related to swimming pools, hot tubs and saunas, rock climbing walls, day spa services, tanning services, massage and skin care services.

Why Claims Get Rejected?

Willful Acts Or Misconducts

During the investigation at the time of claim settlement, if it is found that the cost of damage is deliberate, then such claims are not entertained by the insurer. Claim will also get rejected for any fraudulent, dishonest or criminal acts.


If you provide false or selective information in the proposal form the insurance becomes void and the claim gets rejected, for instance, if you specify that you have 10 trainers with experience but in reality you have only 5, then the claim may get rejected in future.

Failure To Meet Warranties

Claims can get rejected if you fail to meet the agreement with your insurer made during the policy issuance. For example, your quote may have been based on the fact that you have fire extinguisher (which reduces the risk of fire) or you have a 24/7 security guard. If either of these conditions is not met then your claim may be rejected.

Why SecureNow

Product Knowledge

We have specialized underwriters and tie-ups with international experts.


We work with all insurers to get you the best options- both in terms of price and features.

Quick Turnaround

Cover notes are issued within hours of request. This documentation is sufficient for any contractual requirement.

Strong Claim Support

We manage all aspects of your claim - from preparing documentation to follow-up with the insurer.

Value Added

We will advice you on risk management best practices

Policy Administration
System (PAM)

See all your contracts and renewal information in one place. Place service requests on PAM.


Gym liability insurance is a unique combination of insurance coverages that are relevant for gyms that cover general liability, professional liability, product liability and employee practices liability.
This policy is specifically designed for personal fitness trainers, small gym owners, yoga instructors and pilates instructors.
As soon as you get a written or documented warning or become aware of the problem in your business, the insured can prepare to lodge for a claim settlement.
There are some instance for which the client may sue you for loss, like, improper warm-up, equipment failure, slip incidents, accidents on rock-climbing walls and aggravation of existing injuries.
Yes, a professional liability insurance policy defends and pays on behalf of the fitness professional or trainer for claims alleging an error or negligence in the performance of professional duties. Willful negligence is, however, excluded.

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