Information about our policy and COVID-19
Our Fitness Instructor Insurance policy will cover you providing you comply fully with government guidelines whilst conducting your sessions.
For more information about our policy and COVID-19, see our FAQ’s page.
Specialist Insurance for Fitness Instructors
As a fitness instructor, there are a number of situations in which you may rely on your insurance. Having a fitness instructors insurance policy in place will cover you if you were to be sued because of injury or damage caused to a third party or their property.
We are living in an ever-growing ‘no-win, no-fee’ society so protecting yourself and your business against such claims is in your financial interest.
Our cover includes Public Liability, Professional Indemnity, plus £250 worth of free equipment cover as standard. By taking out our policy, you can protect yourself from a number of situations that could cause financial loss.
Whether you specialise in zumba, boot camps or are looking to take out an aerobic instructor insurance policy, we can tailor the cover to suit your needs.
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Why choose Protectivity?
Fast & Easy Process
Taking out your cover 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.
We’re pleased to be able to give you the option to pay for your policy 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
Having been providing cover to the sports and leisure industry for over 25 years, we’re experts in the market. That means we can build an insurance policy that meets 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 instructor insurance includes the following benefits as standard:
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.
Our Professional Indemnity for fitness instructors is automatically matched to the level of Public Liability you choose, to cover claims arising from negligence or error in your activities, including protection if you offer any advice or provide any tuition to your clients.
This benefit provides cover for sports equipment that you specifically use to carrying out the activities for which you are insured. This option does not cover any electrical items such as iPads, iPhones, Laptops, Sound Systems, Speaker or similar.
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.
Check out our tips and guides to running a fitness business
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.