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Specialist Insurance for Fitness Instructors

Our Fitness Instructor Insurance includes Public Liability Insurance which covers you should you be sued by a third party such as a client for injury caused to them or damage to their property. Professional Indemnity Insurance also comes within the policy to protect you for any potentially negligent advice given to your clients which leads to a claim being made against you. 

The policy provides £500 of Equipment Cover for FREE which will protect your equipment should it get accidently damaged, lost or stolen. Our other cover options include Personal Accident Insurance and Overseas Extension Cover. 

Whether you are a group exercise instructor, specialise in boot camps or are looking to take out aerobics instructor insurance, we can provide a flexible policy which can be tailored to suit your needs.

You can purchase your Fitness Instructor Insurance online in minutes – just start by getting a quote below. Payment can be arranged in one single transaction or by monthly instalments with 0% APR. Alternatively, should you have any questions, you can give us a call on 01494 887909. 

Get an instant quote

Why choose Protectivity?

Fast & Easy Process

Taking out your professional fitness insurance is so easy. Just select the activities you’ll be carrying out, the date you want the policy to start and we’ll give you a price instantly, meaning you can be covered in just a few minutes.

Interest-Free Payments

We’re pleased to be able to give you the option to pay for your insurance for fitness instructors monthly, with no added interest. Just pay a 20% deposit upfront and the remainder will be taken on a monthly basis.

Specialists in the Industry

After providing policies to the sports and leisure industry for over 25 years, we’re experts in the market, and can offer an insurance policy tailored to the needs of those in the fitness industry

Excellent Claims Handling

Things can, and do, go wrong when working out. Thankfully our specialist claims handlers are experienced in making your claims process as efficient and stress-free as possible.

What's included in our Fitness Instructor Insurance policy?

Our policy for fitness and exercise instructors includes the following benefits:

Public Liability

Select up to £10 million worth of cover against injury or damage to third parties, such as clients, or their property. This includes the legal defence costs should you be sued due to your negligence, as well as any subsequent settlement that is required to be paid.

Professional Indemnity

Our Professional Indemnity for fitness instructors is automatically matched to the level of Public Liability you choose, and will cover you against claims arising from an error you may have made, your alleged negligence, or potentially poor advice that you may have provided which resulted in a client getting injured.


Equipment Cover

This benefit provides cover for sports equipment that you specifically use when carrying out the activities for which you are insured. This option does not cover any electrical items such as iPads, mobile phones, laptops, sound systems, speakers or similar electronic items.

Optional Personal Accident

An extra benefit you can add to your policy, Personal Accident protects you should an accident occur whilst you are carrying out the activities for which you are insured. This includes cover for death, personal disablement and loss of income.

I had a very good experience when I had to make a claim. It was easy to find out how to make a claim and the way it was dealt with was professional and quick

Fantastic claims handling

From a broken arm to a broken mirror, it’s never nice when an incident in one of your fitness sessions leads to an insurance claim. That’s why we’re determined to make the process of making a claim with us as easy and efficient as possible.

If you need to make a claim, just click the link below and follow the on-page prompts to access the relevant form.

Further information on our policy

If you have any other questions regarding our Fitness Instructor Insurance policy, then feel free to get in touch with our friendly team on 01494 887909. Our phone lines are open 9am to 5:30pm, Monday to Friday. 

More information on what we can cover on this policy can be found on our FAQs page.