Personal Trainer Insurance

As a personal trainer your role is to give tuition and advice to enable your clients to meet their goals. Whether instructing adults or teaching children, you are in a position of authority and can be held accountable for your and your clients actions.

The personal trainer and fitness instructor insurance policy will protect you against claims from either your clients or from members of the public who have sustained injury or property damage caused by your or you clients. Our competitive pricing means you can get 12 months insurance from £47.70.

Instant Quote

Public Liability

Select Activities

(You can select more than one sport by clicking in the white box)

Choose your level of sports liability

Professional Indemnity

Do you teach under 16s?

Do you instruct in Northern Ireland?

Personal Accident

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Equipment Cover

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Public Liability

Covering claims from:

  • Someone under your tuition having been injured and seeking compensation from you.
  • Damage to property caused by you or your clients/students at the venue you are using.
  • Someone under your tuition who has been injured having followed your advice, instructions or tuition.

This includes a professional indemnity benefit, which will cover injury or damage caused or arising from any tuition, instruction or advice given during the period of insurance.


If there is equipment you use as part of your business, why not consider covering it as well.

We'll cover your equipment if it's damaged, lost or stolen.

Please be aware we only cover equipment that is health, fitness and sports related. We do not offer cover for any electrical items such as iPads, iPhones, Laptops, Sound Systems, Speakers or anything of that sort.

We also do not cover any type of outdoor garden maintenance equipment such as mowers, rollers, tables or deckchairs.

Personal Accident


  • Accidental Death up to £5,000.
  • Loss of Limb(s), Eye(s), Speech or Hearing up to £50,000.
  • Permanent Total Disablement up to £50,000.
  • Temporary Total Disablement, 52 weeks excluding the first fourteen days. 75% of average weekly earnings up to a maximum of £100 p.w.
  • Emergency Dental Treatment (Subject to an excess of £25 per claim) £500.

Public Liability

Cover up to £10,000,000 anywhere in the UK

Professional Indemnity

Covers your advice, tuition and instruction

Personal Accident

Covers bodily injury whilst working

Sports Equipment

Cover your kit for theft or damage in the UK

Personal Trainers & Fitness Professionals

  • We cover you to instruct at home, in your clients homes, outdoors and in gyms and fitness studios.
  • Instant online cover, Certificates not required to get covered (proof will be required if a claim occurs) See FAQs

Sports Coaches

  • Coaching ratios of 16-1 unless your qualifications state otherwise.
  • Ratios to 30 – 1 when teaching in schools provided a teaching assistant or teacher is on hand to assist.
  • Instant Online cover, certificates not required to get covered (proof will be required if a claim occurs). See FAQs

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Personal Trainer Insurance - How it works...

Take out a personal trainer insurance policy and you’ll be protected should a claim arise following injury to a member of the public or one of your clients. With the growth of ‘no win, no fee’ more and more trainers are seeking protection should one of their client get injured and lay blame on the trainer.

We’ll handle solicitors, cover your defence costs and should you be found negligent - handle the settlement of the claim. All you need to do, to get personal trainer insurance, is get a quote using the Instant Quote above.