Boot Camp Instructor Insurance

Yes, the gym’s insurance typically only covers you while working directly for them. You need separate insurance for private clients and sessions conducted outside the gym’s jurisdiction.

While standard personal trainer insurance often covers various disciplines, some specialities may require additional cover. Always declare your specific activities to ensure appropriate cover.

Your insurance should cover legal costs and compensation if a client claims their injury resulted from your instruction or negligence. You’ll need to report the incident to us immediately and document all relevant details.

As a fitness professional, you need insurance to protect against potential claims arising from client injuries, professional negligence, or accidents during training sessions. It’s often required by gyms and fitness facilities, and it safeguards your career and personal assets.

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.

Yes, provided the insured value meets the cost of the new item.

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.

Yes, we can cover personal trainers who instruct children. We expect trainers to have obtained a suitable qualification for teaching children.

Yes, provided you hold a relevant qualification.

To determine what level is right for you or your business it’s important to consider the likelihood of a claim and the potential costs that may be incurred should a claim arise. If you use third-party facilities you should check to see if they have a minimum requirement. Often local authority facilities and schools require a minimum of £5 million.

Yes, providing you have selected the appropriate option of either Europe or Worldwide (excluding the USA). You must be a UK resident and cover is limited to 30 days during the annual period.

Yes, we’ll cover you for teaching anywhere in the UK, be it in a third party gym, client’s home or a public area. All we ask is that you’re qualified.

No, it’s great if you have one, just in case a client needs first response assistance, but it’s not compulsory.

Yes, subject to the other trainers/coaches being part of your company and only if you select “Partnership/Limited Company” as your business type. You will also need to consider Employers’ Liability if these other trainers/coaches are to be included in your policy of insurance. We are unable to cover bona fide subcontracted trainers/coaches on your policy of insurance.

As long as you are qualified there are no restrictions as to where you can take your personal training sessions or exercise classes. Be it in a gym, at home or in a local park we can provide cover for you. We do ask that the appropriate risk assessment is carried out beforehand.

Yes, provided you comply with the below requirements for remote coaching/instruction (live or prerecorded):

In respect of any coaching or instruction that is undertaken remotely, it is strongly recommended that the Insured should:

At the commencement of the session, advise participants:

1. that by participating they are doing so at their own risk;
2. a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
3. to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
4. avoid the use of blades, weapons or sharp instruments of any description;
5. avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;

Ensure that sessions are conducted for the benefit of participants who have demonstrated sufficient suitability to participate;

1. with new clients you must ensure that;
2. you obtain a signed PAR-Q form prior to the first session
3. you have had a pre-training consultation call
4. Continue to only instruct activities in which you are qualified to do so;
5. Record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you
6. Maximum class size is 16