Essential Cover
Studio Insurance
Peace of mind for fit pros running and managing their own studio or gym – we’ve got you covered.
Get Your Quote Now
A cost-effective insurance for all your studio needs
Whether it’s a boutique, high street Reformer studio or a down-to-earth urban gym, FitPro Insurance Services has teamed up with Markel UK to offer you a simple-to-use, cost-effective insurance solution for all your studio needs.
Protect your clients, employees and equipment
We know many of the FitPro community have their own studio or are working hard to make that dream a reality.
You can only create a haven of positivity and energy when you know your clients and employees are protected and all your equipment is covered. Get serious peace of mind with our Studio Insurance, which includes:
- Public Liability cover
- Employers’ Liability
- Content and Equipment cover
- Buildings insurance
Why FitPro?
You trust us to look after your Teacher & Public Liability cover and have done so for over 30 years.
Behind that trust is a team, with over 150 years’ experience within the insurance industry, working hard to support you and create solutions that help protect everything that is important to our community.
So, whether is it your profession, health, business or travel we’ve got your back. If there is anything else that you would like help with, then contact the gang at FitPro Insurance Services and we’ll see how we can assist.
Studio Insurance FAQs
Is business insurance a legal requirement?
Most types of business insurance are not a legal requirement. Employers’ liability cover is an exception to this. It is a legal requirement for businesses that have workers, even on a part-time or temporary basis. It’s also important to bear in mind that other types of insurance, such as professional indemnity cover, might be required by regulatory bodies within your industry. It may also be specified in your contract with a client that you’re required to hold certain types of business insurance before beginning the work.
Can I get insured before I register my business?
It is possible to get business insurance before you register your business and before you start trading. However, insurers will need to know details such as your business address, trade type, projected turnover and business structure (for example, limited company, sole trader, etc).
Can I still be insured if I have had a CCJ/IVA?
Some insurers are stricter than others when it comes to CCJs (County Court Judgments) and IVAs (Individual Voluntary Arrangements) but having a CCJ or IVA doesn’t necessarily mean you can’t obtain business insurance. If you have a CCJ or IVA and would like to insure with us, please call our team on 0333 920 3984 so that we can understand more about your personal circumstances to see if our insurance would be suitable for you.
Do I still need small business insurance if I work from home?
Working from home does not mean you don’t need small business insurance. For example, if you have employees, you will still require employers’ liability insurance and, if you provide professional services or advice to clients, it is strongly recommended to take out professional indemnity cover. There may also be a variety of other types of small business insurance that you need.
Can I run a business without business insurance?
With the possible exception of employers’ liability cover, business insurance isn’t legally mandated. However, you should consider the risk to your finances of operating without the relevant types of protection in place.
What limit of cover should I choose?
When choosing your limit, you should first check if your clients require you to have a certain amount of public and product liability, or other type of business insurance, before entering into a contract with you.
If there is no requirement, make sure you have considered worst-case scenarios and the costs that could likely be involved with not only defending the allegation, but also the compensation you might have to pay to correct your mistake. Markel offers limits ranging from £1 million to £5 million, so you’ll get the right cover for your business’ needs.
My business undertakes work with clients outside the UK. Can you provide cover for it?
We are able to insure businesses that undertake a small amount of work from clients based overseas; however, it is subject to our underwriting criteria.
DID YOU KNOW?
We can also provide insurance for a wide range of fitness sessions. Whether you’re a student or a graduate; FitPro has the right insurance that gives you the best possible cover – after all, we’ve been fitness specialists for over 30 years. We even offer monthly direct debit options, for as little as £4.38 per month, and you can apply online. Choose your cover from £2m, £5m or £10m options for Public Liability cover. What’s more, because we are active fitness industry experts you’ll also get a FREE FitPro Core membership (valued at £35) which entitles you to a host of great FitPro benefits including the highly respected FitPro magazine which is full of evidence-based articles and programming ideas.
Get Insured Now
Our Philosophy
Our philosophy has always been to listen, support and deliver. We are the conduit between the academic and the fitness professional, the one who makes a real difference to the community. We do this by making sure our offerings are fit for purpose, affordable and world class … totally and always.
FitPro Insurance Services is a trading name of PHL Insurance Brokers Ltd. Authorised and Regulated by the Financial Conduct Authority – FRN 301732. Company Registration number 04851546 – Registered office Suite 402, 4th Floor, 20 Aldermanbury, London, EC2V 7HY
Markel UK is a division of Markel International, an international insurance company which looks after the commercial insurance needs of major businesses, SMEs, professionals and sole traders. Operating through six divisions, Markel International has offices in 17 countries, across the UK, Europe, Canada, Latin America and Asia Pacific.
Testimonials
Bella Bremner
Thank you for your very helpful and personal service with my professional insurance. It felt like the old days when one would talk to a professional insurance broker rather than today's call centres with people reading by rote from a script: “Computer says …”
Pilates Instructor
Stu Gatherum
FitPro stepped up for their trainers during the pandemic. Every step of the way, with every permutation of the rules and guidelines we received an email update of what the rules meant for PTs and their businesses. They spelled out exactly what fitness professionals were allowed to do, what they weren’t allowed to do, and what the guidelines meant for us. This is just one of the reasons I always recommend graduates from our Personal Training courses to go to FitPro when they qualify with us. I’m so impressed with the service.
Owner
T2 Fitness Education
