Fitness and sports professionals insurance

Bespoke insurance cover to a whole host of health, fitness and well-being businesses.

Get a quote in minutes
Award-winning cover
Only pay for what you need

Insurance cover for fitness and sports professionals

If you’re running a health and fitness business, then investing in the right insurance is a must.

Here at Digital Risks, we provide tailored cover to a whole host of health, fitness and wellbeing businesses, including personal trainers, gyms, fitness and wellbeing centres, physiotherapists, and everything in between.

Working in a people-focused industry means your top priority should be public liability cover, ensuring you’re protected in the event of any personal injury or property damage claims made against you.

You should also consider contents insurance for all the equipment you rely on for your business success.

Whatever your requirements, we’ll have you covered in a few clicks.

From £5.13 per month

Pay by the month
Change or cancel any time
Make changes without fees
Instant documents

Digital Risks make insurance easy!

zigzag-0Created with Sketch.

Hassle-free insurance

Arrange your business insurance in minutes, by getting a quote and buying your policy online. No confusing forms or jargon, just plain English and a fast, seamless experience.

zigzag-1Created with Sketch.

Flexibility and growth

Our monthly subscription model gives you ultimate flexibility, with the option to cancel or change your cover at any time. No more annual contracts, it's insurance that grows with your business.

zigzag-3Created with Sketch.

Making a claim

Need to make a claim? With Digital Risks, it's a piece of cake. No outsourcing to third parties or lengthy delays, all claims are handled by our team personally and on a first-name basis.

What insurance do health, fitness and well-being businesses need?

Building your cover

One of best parts of running a health and fitness business is the level of interaction you have with clients and members of the public. But this can also expose you to risk.

If you or one of your employees accidentally causes injury or property damage in the course of your work, you could face legal claims and demands for compensation, even if you believe you weren’t at fault.

For example, a personal training client could claim they became injured as a result of an exercise you gave them, or a gym member could trip over some stray weights left on the floor. If that happens, the bill for legal and compensation costs could run into the thousands, or more, so it makes sense to prepare for the worst.

Cover for your business essentials

You may also want to cover all the physical equipment you use to run your business, from gym machines, to office furniture, or portable tools like laptops and smartphones.

For this you’ll need contents and portable equipment insurance insurance.

Finally, if you employ staff then employers liability cover is a legal requirement.

Why choose Digital Risks?

  • Speedy and simple online quote form for minimal hassle
  • Change or cancel your cover at any time with our monthly subscription
  • Specialists in covering startups and small businesses
  • Dedicated team and tailored offering for larger businesses
  • Fast, straightforward claims process

We're rated excellent by our customers

Excellent value at an affordable monthly cost. I have not needed use the services. But its good to know I have the insurance there to allow me to get on with my work.

James, J. Black Photography

Flexible. simple, easy, immediate. As a busy freelancer I need flexibility to potentially change the policy month by month - very handy and a feature I didn't find with other providers.

Tim, Graphic Design Freelancer

Excellent service, and really lovely people. Completely understanding of small or start up businesses, and a willingness/ability to be flexible. I'm very happy.

Lorna, Magic Penny Gifts

A super slick interface and all around great experience. Thumbs up Digital Risks! Having spoken to a number of "large" insurers, the pricing I received from Digital Risks was much more competitively priced for "like for like" cover. Highly recommended.

Jonathan, Frello

Award-Winning Insurance

We're the British Insurance Awards 2018 Insurance Start-up Winner - recognised for our innovative range of covers, online customer experience and flexible subscription model, which make buying and managing insurance easy and accessible for businesses in the digital industries.

You're in safe hands

Authorised by the FCA

The FCA supervises UK financial services firms to protect consumers. We are directly authorised and regulated by the FCA and our Firm Reference Number is 656459. These details can be confirmed on the Financial Services Register at www.fca.org.uk or by calling the FCA on 0845 606 1234.

A-rated financial strength

Our insurance products are underwritten by security with Standard & Poor's A-rated financial strength or higher. This means the insurer has been independently assessed by the world’s leading credit rating provider and found to have a strong capacity to meet financial commitments (pay claims).

Protected by the FSCS

If you are a business with an annual turnover under £1m, charity with an annual income under £1m, or trust with net assets under £1m, then you will be entitled to compensation from the FSCS in the unlikely event we cannot meet our obligations. Full details and further information on the scheme are available at www.fscs.org.uk