Personal Trainer Insurance
Specialist insurance for personal trainers and fitness professionals from only £3.86 a month.
- Get an instant quote online
- Pay monthly with 0% APR
- Join 180,000 customers*
Underwritten by
Save 10% Onlineˆ
From £3.86* a month
What does personal trainer insurance cover?
Personal trainer insurance covers you if a client or member of the public is injured or their property is damaged as a result of your training sessions. It helps pay for legal fees and compensation claims, protecting you from potentially costly disputes.
It will also cover professional indemnity claims, which covers you if a client claims that your advice, instruction, or training plan caused them injury, loss, or harm. It helps cover legal costs and any compensation arising from these claims.
Make sure you have the correct insurance for your activities and be sure to check if any exclusions are relevant to what you have planned in policy documentation.
Public Liability
Professional Indemnity
Equipment
Employers’ Liability
Personal Accident
Public Liability
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of your actions.
Professional Indemnity
- From £1 million to £10 million of cover.
- Protection from claims by a third-party who sustains injuries or has their property damaged as a result of advice that you provide.
Equipment
- £500 worth of equipment included.
- Add up to £30,000 of equipment cover.
- Protecting equipment, you need for your business from loss, damage and theft.
Employers’ Liability
- £10 million worth of cover.
- Protection against liability allegations made by Employee’s and includes cover for damages rewarded and defence costs.
Personal Accident Cover
- Protection if you’re injured whilst performing work related services.
- A selection of incidents can be claimed for under this benefit including accidental death, permanent total disablement and temporary total disablement.
Overseas Extension
- Work abroad for up to 30 days a year.
Select Europe or Worldwide (excluding the USA).
Legal Expenses
- Cover for up to £100,000 of cover for Legal Defence, tax protection and access to specialist help-lines.
- Option to include cover for employment, property and contract disputes, as well as health and safety appeals, jury service, court attendance and licence protection.
- Coaching any activity without the relevant qualification.
- Equipment left visible and/or in an unlocked vehicle and where the vehicle doesn’t have evidence of damage by forcible and violent means.
- Any pre-existing medical condition unless specifically agreed by us.
- Participant vs Participant – Contact Sports, we do not include cover for injury and/or damage suffered by one Participant and caused by another Participant whilst engaged in Contact Sports.
- Property owners / occupiers’ liability, we do not provide cover connected to operating and managing a premise, fitness studio or gym. This cover is for instruction / coaching only.
For further information on exclusions in your cover please refer to policy documentation.
Why choose Protectivity for your personal trainer insurance?
Let the reviews of over 3,500 customers explain why you should choose us.
Trusted by over 180,000 policyholders.
Experienced insurance providers for over 30 years.
5* reviews from 3,000+ customers.
Proof of our excellent customer service.
Experienced Claims Handling
A smooth and efficient claims process.
UK Based Customer Support
On average we answer your phone calls in under 2 minutes
This page content has been created for general information and should not be taken as advice.
*Prices quoted refer to a quote raised from our website 01/12/2025. Prices will differ depending on requirements. Make sure you have the correct level of cover for what you need. For the most accurate pricing, please get a quote and for full details on what is covered refer to our policy documentation with your quote.
** Based on Protectivity sales data from 2007 to present
ˆ10% introductory discount applies to the first-year policy premium only and is not available to current Personal Trainer customers. This discount does not apply to the optional Legal Expenses benefit. Protectivity reserves the right to amend or withdraw this offer without notice. Available to UK residents only.
¹Based on live Feefo data