Our tailored insurance solutions safeguard your facilities, trainers, and members, ensuring you can focus on helping people stay healthy and active.
Gyms and fitness clubs are vibrant, community-driven businesses that help people stay healthy but they also carry significant risks. With high foot traffic, physical activity, shared equipment, and close personal interaction, these facilities face exposure to injury claims, equipment damage, liability for trainers, and business interruptions.
At Angelic Insurance, we provide general advice to help gym owners and fitness professionals explore insurance options such as public liability, professional indemnity, equipment cover, management liability, and business interruption. We compare policies from trusted Australian insurers to help ensure your cover supports your business model, services, and legal obligations.
Whether you operate a 24/7 gym, a boutique training studio, or a multi-location franchise, we help you protect your members, team, and brand.
Protect people, property, and cash flow
Identify and mitigate business risks
Professional guidance from experienced brokers
Meet legal and contractual requirements
Main Problems/Challenges Gyms & Fitness Clubs Face and How We Can Help Solve Them
Gyms and fitness clubs work hard to promote health and wellbeing, but the environment also carries risks such as injuries, equipment failures, and data breaches. Having the right insurance protection ensures you can focus on your members while keeping your business secure and compliant.
Even with proper supervision, members can injure themselves while using gym equipment or during group classes. These incidents can result in costly compensation claims.
We provide Public Liability cover options that help with legal and compensation costs if a member is injured on your premises, protecting your business from financial loss.
Trainers and instructors may face claims from clients who believe improper guidance or lack of supervision caused their injury or health issues.
We offer Professional Indemnity cover options that assist with legal defence and settlement costs related to allegations of negligence or professional error.
Treadmills, weights, and fitness machines experience heavy use. When equipment fails, it can cause injuries or disrupt business operations.
Our Equipment Breakdown cover options help with the cost of repairs or replacements, ensuring your gym continues operating safely and efficiently.
Gyms often store expensive equipment, sound systems, and computers. Theft or vandalism can cause significant financial setbacks.
We provide Property and Theft cover options that assist with repair or replacement costs for stolen or damaged assets, helping your business recover quickly.
Trainers and staff face risks from lifting weights, cleaning equipment, or demonstrating exercises. Workplace injuries can result in compensation claims and staff shortages.
We offer Workers Compensation and Management Liability cover options that help manage the financial impact of employee injuries and maintain WHS compliance.
Members may claim compensation if their belongings are lost or damaged in lockers or storage areas.
Our Public Liability cover options assist with compensation and legal costs arising from member property loss, helping you maintain trust and professionalism.
Gyms store personal and payment information for members. A cyberattack or accidental data leak can result in privacy breaches and reputational harm.
We provide Cyber and Privacy Liability cover options that help manage investigation, notification, and recovery costs after a data breach, ensuring compliance with Australian privacy regulations.
Disagreements over contracts, membership terms, or service quality can lead to disputes, cancellations, or negative reviews.
We offer Management Liability and Legal Expense cover options that help manage the cost of resolving client disputes and protecting your reputation in the community.
Our proven six-step process ensures you get the right coverage at the right price
We review your care model, resident acuity, incidents and claims, compliance findings, staffing mix, and maintenance regimes.
We prepare accurate data and highlight risk improvements already in place.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
You receive a side by side comparison with premiums, deductibles, inclusions, exclusions, and recommendations.
We place cover, issue certificates, and brief your team on notification procedures.
We approach suitable Australian insurers and specialist agencies, negotiate wording improvements and sub limits, and target total cost of risk savings.
At Angelic Insurance, we prioritise clarity and honesty. Our communications avoid jargon and "fine print traps," giving clients peace of mind that they fully understand their coverage. This builds credibility, an essential differentiator in a crowded insurance market.
We map your operational risks to specific policy clauses, not just headings.
We benchmark limits and sub-limits against contracts and catastrophe scenarios.
We coordinate valuations, BI worksheets, and claims-readiness plans.
We explain what is and is not covered in clear language and document assumptions.
Hear From Families and Businesses Who Trust Angelic Insurance
Don't just take our word for it, hear from businesses and families. See what businesses and families say about working with us who've chosen Angelic Insurance and shared their own experiences about working with us.