Gym & Fitness Combined Insurance
Specialist combined insurance for brokers placing gym, fitness and studio risks
Dolmen Underwriting provides access to a Gym & Fitness Combined insurance solution designed for brokers placing risks within the health, fitness, and leisure sector.
This product offers a comprehensive package of liability and property covers, tailored specifically for gyms, studios, and fitness operators. It addresses the unique exposures associated with fitness environments, including participant injury, professional advice, and operational risks.
Underwritten by A-rated insurers, the scheme provides flexible cover options and underwriting support for a wide range of fitness businesses.
Who this product is designed for
The Gym & Fitness Combined scheme is suitable for brokers arranging cover for:
- Gyms and fitness centres
- Personal training studios
- Pilates, yoga and specialist fitness studios
- Strength and conditioning facilities
- Group training environments
The product is designed for businesses providing structured fitness activities and supervised training, primarily for adults.
What the policy covers
This is a multi-section combined policy, offering protection across liability, professional advice, and property exposures.
Key cover includes:
- Public Liability (PL)
- Employers’ Liability (EL)
- Professional Indemnity (PI) – up to €1m
- Property Damage and Business Interruption
- Legal Expenses (optional)
- Cyber cover (optional)
- Directors & Officers cover (optional)
- Sexual misconduct & abuse cover (subject to sub-limits)
- Tanning bed liability (subject to limits)
This provides brokers with a single-policy solution for fitness-related business risks.
Key underwriting appetite
Dolmen Underwriting can consider a range of gym and fitness risks, including:
- Adult-focused gyms and studios (+16 years)
- Facilities offering supervised training programmes
- 24/7 gyms with appropriate security controls (CCTV and access systems)
Additional considerations:
- Limited acceptance for ages 14–16 (low impact only, waivers required)
- CCTV must be in place and retained for a minimum of 30 days
Currently outside appetite:
- Gyms with spa facilities such as saunas, steam rooms or plunge pools
- Higher-risk or unsupervised environments without controls
Policy limits and key features
- Professional Indemnity: up to €1,000,000
- Public / Employers Liability: standard market limits
- Property & Business Interruption cover available
- Minimum premium from €1,500 + levy
- Flexible excess options depending on cover section
The product is designed to provide broad protection for operational and liability risks within fitness businesses.
Important underwriting considerations
When placing Gym & Fitness risks, brokers should consider:
- Nature of activities offered
- Age profile of participants
- Supervision and staff qualifications
- Health & safety procedures
- Use of waivers and disclaimers
- Security measures (including CCTV and access control)
Policy terms, conditions, and endorsements will apply depending on the risk.
Why brokers place business with Dolmen
Dolmen Underwriting provides brokers with access to a specialist solution for fitness and leisure risks.
Key benefits include:
- Combined policy covering liability, property and professional exposures
- Sector-specific underwriting approach
- Ability to include specialist extensions (e.g. cyber, D&O)
- Flexible underwriting for non-standard fitness risks
- Support from experienced underwriting team
- Access to A-rated insurer capacity
This makes the product particularly valuable for brokers placing specialist leisure and fitness risks.
Specialist Underwriting Support
Work directly with experienced underwriters who understand fitness sector risks and provide practical placement solutions.
Flexible Product Solutions
Access specialist insurance products designed to help brokers place non-standard and niche risks.
Trusted Industry Experience
Benefit from decades of underwriting knowledge and strong relationships across insurers and broker partners.
Affordable Home Insurance That Doesn’t Cut Corners
Choosing the cheapest policy isn’t always the best option. At Dolmen, we look beyond the premium to find you quality home insurance that actually works when you need it. Whether you’re insuring a family home, an apartment, or a property you rent out – we’re here to find the right protection for your lifestyle and budget.
We search the market, explain your options clearly, and help you save where it makes sense – all while ensuring you’re fully covered.
Why Choose Dolmen for Your Home Insurance?
- Decades of experience in the Irish insurance market
- Independent advice and access to top Irish and UK insurers
- Personalised service with real people – not just a website
- Excellent customer support throughout your policy
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Underwriting Solutions Brokers Can Trust
If you would like to arrange cover under the Gym & Fitness Combined scheme, contact the Dolmen Underwriting team or submit details of the risk for review.
Our team can assist with underwriting guidance, eligibility checks, and placement options.