Specialist cover 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.

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 spinning classes, we can tailor the policy to suit your needs.

Instant Quote | Fitness Instructors Insurance

What our customers say:

“Competitively priced and great to be able to pay monthly at no extra cost!”

Christos – October 2017

“Brilliant and patient on the phone, answering all my questions. Would definitely recommend.”

Clare – September 2017

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Flexible payments

We offer multiple payment options at Protectivity, so paying for your insurance policy couldn’t be easier.


What’s included in our fitness instructors insurance?

A range of cover from £1 million – £10 million for injury or damage to third parties or their property. Includes legal defence costs.

Our Indemnity Match matches your professional indemnity to the level of Public Liability you choose, up to £10 million to cover for any claims arising from negligence or error in your professional activities. Protection if you offer any advice or provide any tuition or instruction to your customers.

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.

Covers you should an accident occur whilst you are carrying out the activities for which you are insured. Includes cover for Death, Permanent Total Disablement and also Income Protection.

You’re covered to take your fitness classes and sessions anywhere in the UK as standard. If you wish to extend this coverage to worldwide protection, just select the option during the quote process.

See our FAQs for specialist product information.

How are you protected?

There are a number of situations where you could be sued as a fitness instructor or personal trainer. Should a client of yours trip and fall on a messy floor and blame you, it could result in a claim. If a client injured themselves after you advised them on how to carry out an exercise incorrectly, that too could result in a claim.

Should you be sued in either instance, the Public Liability and Professional Indemnity aspect of your policy will cover you. We will take care of the costs of defending you in court and any settlement that might be deemed necessary.

We’ll also cover £250 worth of your sports equipment. Should it be damaged during a session, we will cover the cost of repairing or replacing it.

We can also include Personal Accident protection on your policy too. This means that should you, yourself, suffer an injury whilst carrying out the activities for which you are insured for, you could be eligible for a lump sum payout.

Qualifications & Ratios

We expect you to hold a certified qualification in the activity(s) you are teaching/instructing. If you are qualified to teach or instruct in something, we are happy to provide insurance for it. We don’t require proof of your qualifications, but we may ask to see them in the event of a claim. If you’re uncertain about what your qualifications will allow you to teach, please contact your training provider.

If you teach group exercise we expect you to access the environment to determine the maximum number of participants that can safely carry out the activity. If you are teaching children under the age of 16 we expect all trainers to comply with a trainer to participant ratio of 16:1.

See our FAQs for specialist product information.

Activities Covered

Our fitness instructor insurance covers a range of activities including the following:

Multi-discipline activities:

Bootcamps, Circuit training, Gym Instructors, GRIT Series, Rebound Therapy

Weight-based training

Body Pump, Bodyweight Training, Insanity Training, Kettlebell, Kettlercise, TRX

Water-based activities:

Aqua Aerobics, Aqua Zumba, Aquanatal

Dance workouts:

Ballet Fit, Barrecore, Bellyfit, Body Jam, Bokwa, Booiaka, Burlesque Fit, FitSteps, Hip-Hop Fit, Hula Hoop Classes, Jazzercise, Kangoo Instructor, Latin Fit, Salsa Fit, Shbam, Zumba, Zumba Fitness, Zumba Gold, Zumba Gold Toning, Zumba Sentao, Zumba Toning, Zumbatomics

Cycling workouts:

Group Studio Cycling, RPM, Studio Cycling, Spinning

Other cardio workouts:

Aerobics, Body Attack, Body Combat (Non-contact), Bodystep, Bodyvive, Boxercise (Non-contact), CXWORX, Group Exercise Instruction

Other exercise activities:

Calisthenics, Callanetics, Chair Based Exercise, Childrens Fitness, Fitball, Massage, Pilates, Pre & post natal exercise, Pre-school fitness, Remedial Massage, Sports Massage, Tai Chi, Yoga