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FAQ Category: Personal trainer insurance

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Am I insured for using technology like heart rate monitors with my clients?

Am I insured for using technology like heart rate monitors with my clients?

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Yes, providing in doing so you will not putting the client in any danger and you are acting within your PT/coaches qualification.

Last updated on

10:19:50 GMT • 12 February 2025

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Does my insurance cover situations where I need to give emergency first aid to a client?

Does my insurance cover situations where I need to give emergency first aid to a client?

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Yes, you are covered to provide first aid in an emergency.

Last updated on

10:19:34 GMT • 12 February 2025

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Can I train professional athletes under my PT insurance policy?

Can I train professional athletes under my PT insurance policy?

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No, our PT insurance policy provides cover for you to train/coach amateur sports people only.

Last updated on

10:19:19 GMT • 12 February 2025

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Does personal trainer liability insurance extend to meal plans I provide alongside training?

Does personal trainer liability insurance extend to meal plans I provide alongside training?

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Yes, providing you hold the relevant qualification to offer nutritional advise. Our professional indemnity benefit will cover you for offering this kind of advice.

Last updated on

10:19:04 GMT • 12 February 2025

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Am I covered by personal training insurance for outdoor workouts in parks or public spaces?

Am I covered by personal training insurance for outdoor workouts in parks or public spaces?

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Our Personal Training Insurance will cover you for teaching anywhere in the UK, providing you have permission if necessary.

Last updated on

10:18:49 GMT • 12 February 2025

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Does PT insurance cover client accidents involving equipment I’ve supplied?

Does PT insurance cover client accidents involving equipment I’ve supplied?

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Yes, you will be covered for accidents involving equipment providing it has been purchased for and used in connection with the business activities. You must take practical steps to ensure the equipment is in a good state to minimise accidents.

Last updated on

10:18:36 GMT • 12 February 2025

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Can I train clients with pre-existing medical conditions under my liability insurance?

Can I train clients with pre-existing medical conditions under my liability insurance?

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Yes, providing your client has signed a pre-exercise readiness questionnaire (PARQ) and has prior consent to train from a medical professional and you are able to adapt training to their conditions.

Last updated on

10:18:23 GMT • 12 February 2025

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What if a client gets injured following a training program I’ve written?

What if a client gets injured following a training program I’ve written?

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Our professional indemnity benefit covers you for claims arising from advice, instruction or tuition given to clients.

Last updated on

10:18:10 GMT • 12 February 2025

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Does my personal training insurance protect me during fitness assessments and body measurements?

Does my personal training insurance protect me during fitness assessments and body measurements?

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Yes, providing you hold the relevant qualifications to do this.

Last updated on

10:17:55 GMT • 12 February 2025

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Are substitute personal trainers covered under my insurance when I’m unable to work?

Are substitute personal trainers covered under my insurance when I’m unable to work?

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Under our Personal Trainer Insurance, substitute PTs will only be covered under your policy providing you have Employers Liability cover which is a legal requirement if you employ staff (paid or unpaid).

Last updated on

10:17:41 GMT • 12 February 2025

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Protectivity is a trading name of Starpeak Insurance Solutions Limited which is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Registration Number 309959.

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Protectivity is a trading name of Starpeak Insurance Solutions Limited which is authorised and regulated by the Financial Conduct Authority (FCA) under Firm Registration Number 309959.