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Gym Insurance Costs in Australia 2025: Key Trends for Fitness Businesses
Personal Trainers Insurance
Personal Trainers Insurance
Personal Trainers Insurance
Personal Trainers Insurance
Personal Trainers Insurance
The Australian fitness industry continues to grow rapidly, with 24/7 gyms, boutique studios and functional training facilities expanding across the country. Alongside this growth, insurance costs have become a key consideration for gym owners looking to protect their members, staff and equipment.
In 2025, average gym insurance premiums in Australia typically range between $1,300 and $2,500 per year, with costs influenced by a number of important factors. These include:
- Size and membership base – Larger gyms or national chains generally face higher premiums than smaller independent facilities.
- Operating hours – 24/7 access gyms carry additional risk due to unsupervised training times.
- Equipment value and security – High-value equipment and limited CCTV coverage can increase premiums.
- Claims history – A strong track record of safety and low claims helps reduce costs.
Looking at costs across different states:
- NSW: from $1,400/year for smaller gyms.
- VIC: from $1,500/year, especially in metropolitan areas with stricter compliance.
- QLD: from $1,300/year, often lower in regional areas.
- WA: from $1,450/year, particularly where 24/7 systems are in place.
For brokers and gym owners alike, the key takeaway is that customisation matters. No two gyms carry the same risk profile, and a tailored policy can mean significant savings over time.
At Gym Insurance HQ, we specialise in helping gym owners access competitive policies through a wide network of insurers. By understanding the unique challenges of fitness businesses, we’re able to balance cost efficiency with comprehensive cover.
General Advice Warning: This advice is general and does not take into account your objectives, financial situation or needs. You should consider whether the advice is appropriate for you and your personal circumstances. Before you make any decision about whether to acquire a certain product, you should obtain and read the relevant product disclosure statement.
All information above has been provided by the author.
All information above has been provided by the author.
Gym Insurance HQ, ABN 33 606 759 228, AFSL 363610
This article originally appeared on Gym Insurance Cost 2025: What Australian Gym Owners Need to Know and has been published here with permission.
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