Sports and Fitness Club Insurance

Sports and Fitness Club Insurance

As the owner of a sports or fitness club, the last thing you want to be worrying about is if your insurance broker is doing a good enough job sourcing the best insurance cover for your business needs!

Often bound by a limited market, many brokers will leave it to the last hour to provide terms that have had huge spikes in premium without much explanation. This can leave you with the stressful task of obtaining alternative prices at the last minute…

At IC Insurance, we can guarantee that we do broking better! We have access to a panel of leading insurers to source the correct fitness club insurance policy to meet your requirements. Our team of industry experts will break down your needs and manage your expectations to provide an affordable sports club insurance solution that is straightforward and hassle-free. Trust and transparency is at the heart of what we do!
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Sports Club 
Insurance Tailored
for You

Sports and fitness club insurance provides specialist cover, including injury to club members, supporters or employees. It also covers equipment or property from clubhouses, premises and stands. The cover can be tailored to your exact requirements.

With sports and fitness club insurance you can rest in the knowledge that your business or society is protected should any accidents happen. You don’t need to have a specific location associated with your club or even have a regular meeting place to get sports club insurance and protect your assets. You can ensure that volunteers and events are covered with the comprehensive packages we can secure for you.

What are the Risks Associated with Sports & Fitness Businesses?

All businesses have their own risks, however with sports there are many. No matter what your club offers, it’s likely to be physical. With any physical activity, there is a risk of injury and the blame for that injury could potentially lay with the club.

At the very least, it is recommended that you have public liability insurance to cover you should a member of the public get injured or suffers a loss and blames your fitness club. In addition, employers liability is a legal requirement for any business to cover your liabilityshould an employee, or volunteer gets sick or injured as a result of the work they do for you. Coverage like this is at the heart of sports and fitness insurance, but it might not be all that's covered by your sports club insurance policy.

What does Sports and Gym Insurance Cover?

Our fitness and sports club insurance can include the following cover:


Our buildings and property cover will compensate you for the repair/rebuild cost of your premises should it get damaged or destroyed by an insured event.

Rent payable & Business Interruption Insurance

If you lease a building for club activities, our sports club insurance policies can cover the rent if, for any reason, the club cannot run for a period of time. This can also allow you to rent another location should your usual building be unfit for purpose due to damage so you can continue offering your services.

Contents & Stock

General contents cover will protect any contents secured in a safe place against damage or theft.

Sports and Club Equipment

Modern gym equipment isn’t just the weights, treadmills and rowing machines. These connect to computers to allow people to track their progress on apps and accounts, not to mention audio-visual equipment such as TV screens, speakers and floodlights. If you are in need of gym insurance we will ensure that all equipment, sports related or support related is protected against damage or theft.

Employers’ liability

It is a legal responsibility for all business owners to cover your staff via employers’ liability insurance, should illness or injury occur whilst they are running training sessions or events for your business.

Public liability

Protect your business against claims from members of the public regarding slips, trips and workout related hazards. Obviously your staff will be fully trained and all equipment will meet safety standards, but accidents happen and this protection will help you fight claims and pay compensation should it be required.

What types of businesses can take out Sports and Fitness Insurance?

We can cover a variety of businesses relating to the sports and fitness industry, including:

Amateur Sports Clubs such as cricket, netball, football, tennis, rugby and hockey clubs
Golf Clubs
Swimming centres
Gym and Fitness centres
Personal Trainers

Social Clubs
Watersports and diving clubs
Martial arts clubs
Aerobics, gymnastics and aerial clubs
Dance schools

For more information, contact us on 01204 565600. Our insurance brokers in Bolton will be happy to help you find the right package for your sports and fitness club, or gym today.

Request a Sports and Fitness Insurance Quote

About IC Insurance

 As insurance brokers, we have a passionate team comprising of experienced sports club insurance experts and seasoned brokers. We know all the ins and outs of the market and our strong partnership with insurance providers enables us to provide comprehensive coverage at competitive prices. If you have any questions or want a free quotation, get in touch with our specialist advisors, right away. Contact our office on +441204 565600 or email us on
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years of expertise

Putting the customer first is at the heart of everything we do here at IC Insurance Solutions

Using our expertise and market awareness we are commited to solving our clients insurance needs by helping them to quantify and manage the risks to their business in the most effective way. Helping clients navigate the insurance market to find the right policy to protect their business at a competitve premium.
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We are proud to announce that we have been awarded the winning position of commercial lines broker at the UK National Insurance Awards 2023.

The National Insurance Awards is widely considered to be one of the most prestigious events in the insurance industry, and this achievement is a testament to the hard work and dedication of everyone here at IC Insurance.
We are a team of experienced insurance
brokers working together with our customers to understand and fulfil their insurance needs.
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