24 hour gym insurance is a specialist type of cover designed for UK fitness facilities that operate 24/7, including unmanned and key-access gyms. It protects gym owners against the unique risks of round-the-clock operation, such as unattended access, increased member usage, higher liability exposure, and damage to property or equipment.
Whether members are training at peak times or in the early hours of the morning, 24-hour gym insurance helps ensure the business, equipment, staff, and customers are financially protected – giving owners peace of mind while keeping their doors open day and night.
What does 24 hour gym insurance cover?
As specialist brokers in sport, leisure, and fitness insurance, Mann Broadbent has over 60 years’ experience arranging insurance for gyms, including unmanned and 24-hour operations. We work with specialist underwriters who understand the risks of 24/7 access and can arrange cover for:
- Public liability insurance for member injuries at any time of day or night
- Employers’ liability insurance (where required)
- Equipment and contents insurance
- Property damage and theft
- Cover for unmanned and key-access gyms
- Optional business interruption cover

What types of insurance do 24-hour gyms in the UK typically require?
Here are some of the typical covers you may need if you run a 24 hour gym.
Public Liability
Personal Accident
Cyber Insurance
Legal Expenses
Kit & equipment
Employers Liability
Frequently asked questions
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