Our personal trainer insurance goes beyond standard cover, recognising that the fitness industry covers a whole range of different training environments.  Protectivity’s specialist cover is designed to protect you and your clients, regardless of the unique services you offer.

We can cover the following types of personal training:

  • Group Personal Training Classes: Tailored for personal trainers who lead group classes, whether you’re indoors or outdoors. This cover includes protection from claims related to group activities, including public liability and injury claims that may arise in a larger class setting.
  • Yoga, Pilates, and Mind-Body Classes: Cover extends to trainers offering yoga, Pilates, and other mind-body disciplines. This specialty insurance considers the distinct nature of these practices, including protection from claims related to physical adjustments, specific poses, and any equipment used, such as yoga mats, blocks, or Pilates reformers.
  • Martial Arts-Based Fitness: For trainers who incorporate martial arts elements—such as kickboxing, jiu-jitsu, or self-defence techniques—into their sessions, our insurance provides cover tailored to the risks unique to these high-intensity activities.
  • Outdoor and Boot Camp Training: Perfect for trainers who conduct sessions in parks, on beaches, or other outdoor locations. This cover addresses the risks associated with public spaces, environmental factors, and portable equipment. It also includes guidelines for conducting pre-session risk assessments.
  • Online and Virtual Training: Our insurance includes options for trainers offering virtual sessions. Cover protects you from claims associated with virtual instructions, whether they stem from injury during live classes or prerecorded sessions shared with clients.
  • Specialty Equipment Insurance: If you use specialised equipment such as resistance bands, kettlebells, or reformers, this optional equipment cover can protect against theft, damage, or loss. You can select the level of cover to match the value of your equipment, ensuring peace of mind whether you’re training in a gym or outdoors.
  • Dance and Aerobics Classes: Cover is also available for instructors leading dance-based fitness classes, including Zumba, cardio dance, and step aerobics. This option provides protection for injuries or incidents related to high-energy dance routines, covering everything from slips and falls to interactions with equipment like step platforms.

Our cover options make it easy to create an insurance plan that aligns with your professional services, whether you’re working one-on-one, leading group classes, or teaching in unique environments. With tailored protection, you can focus on delivering exceptional fitness experiences while ensuring you and your clients are covered.

Typically we would expect personal trainers to have a pre-exercise readiness questionnaire, which they give out to all of their clients. Usually, personal trainers have been taught about this in their training. We do not have a generic form that we are able to provide, although we need you to be aware of the medical condition of all your clients.