Equipment Cover

The equipment you use as a personal trainer is often majorly important to the fitness service you offer. Therefore material damage to these tools of the trade can often prove costly and irritating.

Thankfully with Protectivity’s personal trainer insurance, you are provided with £250 worth of equipment cover as standard, at no extra cost to yourself. Have more gear than that? No problem, you can increase the amount of equipment cover you have on your policy up to £30,000.

The things that are covered under this section of the policy must be used in connection with the business that is covered and owned by yourself or a member of your staff.

You will be protected from most damage to your property (apart from those stated on pages 13-14 of our policy wording) and will be covered for the costs of replacing or repairing equipment up the value that it held prior to the incident. There are excesses to pay with any claim relating to damaged equipment, the level of which determined by the amount of cover you take out.

An Example of our Equipment Cover Claims

One of our clients used an iPod to play music in a fitness class. Unfortunately, it was dropped and broken by one of the class members. If the client didn’t have a suitable insurance cover, they would have to pay for the repair out of their own pocket. The same would apply if the equipment was irreparable and they would have to pay for replacements. 

Discover what else our Personal Trainer Insurance includes

Professional Indemnity

Learn how professional indemnity could help protect you for the advice you give in a professional capacity.

Public Liability

Read why it is important to have public liability cover and against what kind of claims it could help protect you.

Personal Accident

Learn how you will be covered should you fall foul to an accident whilst undertaking your duties.

Overseas Extensions

Read how you can extend your policy so it provides you cover for work undertaken overseas.

Get a Personal Trainer Insurance quote

Get an instant Personal Trainer Insurance quote online and include up to £30,000 of equipment cover.

For more information on what we can cover in our Personal Trainer Insurance policy, see our FAQs page