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Gym & Fitness Insurance for Australian Health Studios


Do you operate a gym or fitness centre? You might not realise it, but you need a distinct type of insurance policy to ensure you are fully protected. For all your specialist sports and fitness insurance needs, Active Insurance Solutions offers a complete range of gym and fitness insurance policies, Australia-wide.

We have developed long-term and trusted relationships with hundreds of personal training, yoga and pilates studios across Australia. We work with fitness professionals from the largest franchises to the smallest independent health clubs. Our team has developed a strong reputation as one of the countries leading insurance companies in health and fitness.

Having dealt specifically with Australian fitness industry insurance for the past fifteen years, nobody knows their stuff better than us!

What type of insurance do I need for a fitness centre?

All our policies include participation risk, contents and fitness liability insurance as standard.

Participation risk is particularly crucial in the fitness world as it provides additional cover that standard public liability insurance lacks. It offers protection for all training and advice offered by fitness instructors that may result in accident or injury.

Insurance for gyms

We’ll work with you to tailor an exclusive, competitively priced gym insurance package. Your policy will be underwritten by leading global insurers and will perfectly meet your needs.

  • storm and property damage
  • business interruption
  • personal injury
  • professional indemnity insurance

Whatever your circumstances, we’ll make sure every aspect of your gym or fitness studio operations is adequately covered.

Happy Customers

“Having been a Club Owner for almost a decade now, I have had the pleasure of dealing with Gavan Burke, which for me, gives rise to 3 key benefits; Firstly, he provides great service and follow up, nothing is too hard for him. So I save time. Secondly, win or lose, tender or no tender, he always tries to hammer out a great deal for me. So I save money. Thirdly, he keeps everything simple and easy to understand, so I know what I am insured for. So I sleep well at night. It’s therefore easy to understand why he keeps winning our business, year after year after year. I strongly recommend you talk to him and see what he can do for you and your business”

Marc Miot


“Gavan Burke has helped us with all our insurance requirements since 2010. Gavan is extremely thorough in his research and comparative analysis, exploring all options to find the most comprehensive cover available.Lucky, because our business was severely affected by flooding in January 2011. We suffered a massive loss of several million dollars. Gavan assisted us through this most challenging time, liaising with the insurance company to make the process as hassle free as possible. A very positive outcome was achieved and our decision to change to Insurance Advisernet Australia certainly paid off!”

Richard Bell


“Gavan Thank you as always for looking after all our insurance needs. Would you believe it has been over 17 years. I have always appreciated the advise, excellent customer service and the fact you always achieve the best rates. You have a unique understanding of our industry and our needs. I would highly recommend to any operator within fitness industry to talk to you first.”

John Gray

Our people

Every member of our team has a passion for and thorough understanding of fitness business insurance. We are committed to providing tailored, sport-specific policies for clients.
Active Insurance Solutions is owned and operated by one of Australia’s leading gym and fitness club insurance experts, Gavan Burke. Gavan has 35 years of experience in the insurance space and 15 years working specifically in the area of fitness insurance. You can be sure our team is best-placed to provide the right policy to ensure your ultimate protection.


Our offering

  • Comprehensive fitness, personal training, yoga and pilates studio, health club and crossfit gym insurance
  • Extensive experience of what is required from fitness industry insurance
  • Policies tailored to your specific needs for complete protection
  • Crucial participation risk cover
  • Large and small gym insurance
  • A commitment to personalised service and supporting you throughout every stage

The Active Insurance approach

At Active Insurance Solutions we pride ourselves on:

  • understanding exactly what your gym or fitness studio needs from its insurance policy
  • always remaining on-hand for advice and claims assistance with your fitness studio or gym business insurance
  • a commitment to offering a personalised service
  • our status as an authorised representative of McLardyMcshane Partners Pty Ltd Authorised Representative No. 421396

We’re also super quick! Request your free, no-obligation quote today and we’ll turn it around for you within 24 hours.

And when it comes to making claims, you’ll deal directly with our locally-based team. We are committed to guaranteeing the best result for you. We’ll get things rolling quickly, supporting you through every aspect of the process. We’ll ensure every element is expertly managed, and that every claim is maximised.

Get A Quote


If you’re looking for Gym Insurance or Fitness Club Insurance, you’ve come to the right place.

Contact us today using our handy form, and we’ll come back to you ASAP with a quote specific to your business.

Frequent searches leading to this page:
Gym Insurance | Insurance for Gyms | Insurance for A Gym | 24 Hour Gym Insurance | Crossfit Gym Insurance | Fitness Business Insurance | Fitness Liability Insurance | Gym Business Insurance | Small Gym Insurance | Sports and Fitness Insurance


Our Insurance Partners


Fitness Insurance Australia – FAQs


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What insurance do personal trainers need in Australia?

A personal trainer requires a different type of coverage than a fitness business insurance policy offers, as do yoga teachers and pilates teachers who work in different studios and gyms, or teach lessons in outdoor settings.

Your insurance will need to cover you in the event a client sues you, and you also need to think about protecting any equipment that you use, as well as having income protection insurance in place if you are injured, and need some time off. A personal training business may be mobile unless you work directly from a gym or fitness centre.

It’s important to clearly discuss insurance matters with any centre that you work with, and most will require that you have the right personal trainer insurance policy in place before you begin. This will generally be public liability insurance, and some may require that you have professional indemnity insurance too.

Personal training businesses carry the potential for lawsuits if a client is injured, which can have a truly devastating effect on you as a fitness professional. We provide cover for all of your PT insurance requirements. We will ensure you have the right levels of cover for work at different business premises, and the right public liability policy in place to mitigate any risks that come with training clients. If you have fitness equipment or business vehicles, we can add these to a custom business insurance policy that meets all of your needs as a personal trainer.

What is covered under your liability insurance policy for fitness and gym businesses?

We take a comprehensive approach to managing your individual liability requirements. We know that an insurance policy for a self-employed yoga teacher or personal trainer will look very different from one that meets the needs of large fitness centres. We will create a business insurance policy that meets your needs. We understand what level of liability is required to protect you in the event of a claim against you.

Our policies cover you against a range of possibilities, including clients who may hurt themselves while using your equipment, or who misinterpret advice given to them. We work with international insurers who provide cover that is affordable, but also ensures you have the right protection in place if things go wrong.

Do you offer property coverage for my equipment and facilities?

Absolutely, yes. We recommend contents insurance, as well as having coverage for your premises. This can help with little things, like glass cover for fitness studios, accidental damage, and worst-case scenarios like storms, property damage or theft.

We understand your industry well and will be able to provide cover and professional advice that meets your business needs. We can also combine all of your requirements into one convenient policy, whether you are a fitness instructor, a large gym or run a personal training business.

Is there coverage for injury to participants in my classes or events?

Yes, there sure is, and it’s an absolute must when considering business insurance in this industry or as a part of your personal trainer insurance coverage. Participation risk isn’t covered in standard public liability policies and is a must-have for a fitness and gym business insurance plan.

This will cover situations where possible negligence has been implied, if an injury occurs during a fitness session, or if results from advice given.

What is the process for making a claim?

We believe that making a business insurance claim should be hassle-free, and we understand that businesses and trainers pay for insurance, so they can make a claim when something happens. We make the process as easy as possible. If you need to make a claim, get in touch with us with details of what has happened, and we’ll start working on your claim.

We pride ourselves on providing excellent service each step of the way, and our friendly team will ensure the fastest turnaround time possible when assessing claims.