Gyms are indoor places with various equipment and machines for physical workouts.Both recreational and professional athletes work out at a fitness centre. Fitness centres generally specialise in certain sporting or fitness disciplines but still provide a variety of workouts. They are also typically larger than your average gym.A health club bears similarities to a fitness centre but focuses more on whole-body wellness as opposed to just physical fitness. Nowadays, many high-end gyms can be classified as health clubs due to the amenities they offer. Health clubs tend to have swimming pools, steam rooms, and designated spaces for sports.From a legal standpoint, a gym and a health or fitness club may be seen as the same thing but may differ slightly in terms of the finer details in their respective insurance policies. If you’re unsure which category your gym falls into, it may be worth looking into specialist gym insurance.