Gym & Fitness Centre Insurance

Yes. Public liability insurance covers claims from members who are injured on your premises or during supervised activities. Common claims include equipment-related injuries, slip-and-fall incidents and injuries during group classes. While member waivers offer some protection, they do not eliminate liability where negligence is established.

Yes. Commercial property cover protects fitness equipment against fire, storm, theft, vandalism and other insured events. Equipment breakdown cover can also be added to protect against mechanical and electrical failure of cardio machines and electronic resistance equipment.

Business interruption insurance covers the loss of membership revenue, personal training income and other fees while the gym is closed for repairs. It also covers ongoing expenses such as rent, staff wages and equipment lease payments. Given the risk of member attrition during a closure, an adequate indemnity period of 12 months is recommended.

Yes, but insurers typically require specific security measures for 24/7 unmanned gyms including CCTV, electronic access control, emergency communication systems and adequate lighting. Premiums for 24/7 facilities are generally higher than staffed-hours-only operations due to the increased risk.

Yes. Personal trainers operating as independent contractors within your gym should hold their own professional indemnity and public liability insurance. Your gym's policy covers the business and premises, but may not extend to cover a contractor's individual negligence in providing fitness advice or programming.

Leading commercial insurers including CGU, QBE, Zurich, Vero, Hollard, Allianz and AIG all offer policies suitable for gyms and fitness centres. Each insurer has different appetite for high-risk activities such as boxing and CrossFit. Shielded compares options across this panel to find the best cover and pricing for your facility.

Yes. Public liability cover extends to group fitness classes conducted on your premises, including classes such as yoga, spin, HIIT, boxing and circuit training. Higher-risk class formats may attract additional premium. Ensure all instructors are appropriately qualified and that class activities are specifically declared to your insurer.

Commercial property insurance covers a wide range of property types including office buildings, retail shops, warehouses, factories, shopping centres, hotels, motels, restaurants, cafes, medical centres, child care centres, gyms, salons, laundromats, churches, petrol stations, mixed-use developments and more. Whether you own a single tenancy or a multi-storey complex, we tailor cover to match your property.

Premiums vary based on building value, location, construction type, tenant occupation and risk profile. A small retail shop may cost $1,500 to $4,000 per year, a standard office building $3,000 to $10,000, and a large warehouse or industrial property $5,000 to $25,000+. High-risk tenancies (restaurants, manufacturing) attract higher premiums. Request a free quote through Shielded for an accurate indication.

Commercial building insurance covers the physical structure including walls, roof, floors, fixed fixtures, common areas, car parks, fencing and services (electrical, plumbing, HVAC) against fire, storm, flood, impact damage, malicious damage, theft and accidental damage. It typically also covers demolition and removal costs, professional fees (architects, engineers) and compliance with current building codes when rebuilding.

If you own a commercial building and lease it to tenants, you need commercial landlord insurance. This covers the building structure, landlord's contents (common area furnishings, HVAC systems), public liability for common areas, loss of rental income if the building is uninhabitable after an insured event, and plate glass. Your tenants are responsible for insuring their own contents, stock and fit-out.

Loss of rental income (also called business interruption for landlords) provides replacement income if your commercial property becomes uninhabitable after an insured event such as fire, storm or flood. It covers the rental income you would have received during the repair or rebuild period, typically for up to 12 or 24 months. This is essential for property investors who rely on rental returns.

Plate glass cover is usually an optional add-on, not included in the base building policy. It covers the cost of replacing glass shop fronts, windows, doors, display cases and signage glass that is accidentally broken or vandalised. For retail properties with large glass frontages, this is an important cover to include.

Generally, the landlord insures the building structure, common areas and landlord's fixtures. Tenants are responsible for insuring their own contents, stock, fit-out, trade fixtures and their own public liability. Most commercial leases clearly define these responsibilities. As a landlord, ensure your lease requires tenants to hold adequate insurance and provide certificates of currency.

Contact us at Shielded Insurance on 1800 97 98 99 or reach out to your insurer directly. We recommend notifying us as soon as possible after damage occurs, documenting everything with photos, securing the premises to prevent further damage, and keeping records of all emergency repair costs.

We compare quotes from leading Australian commercial property insurers including CGU, QBE, Zurich, Vero, Hollard, Allianz, AIG and others. The best insurer depends on your property type, construction, tenant occupation and risk profile. As brokers, we do the comparison work to find competitive and suitable cover for your property.

Review your policy annually at renewal, or whenever there are significant changes such as new tenants, renovations, extensions, changes in building use, or updated valuations. Building replacement costs increase over time - if your sum insured does not keep pace with construction cost inflation, you risk being underinsured at claim time. We recommend a professional building valuation every 3 to 5 years.