What does Personal Trainer Insurance cover?
Our Personal Trainer Insurance protects qualified fitness professionals from claims that could arise due to unforeseen incidents such as an injury to a client. The policy, which protects those conducting one-on-one, group, and online classes, comes with a range of benefits including Public Liability.
Public Liability Insurance covers you should you be sued by a third party (e.g. member of the public) for injury to them or damage to their property, up to the limit you have selected.
If one of your clients suffers an injury as a result of your training guidance or fitness advice, such as asking them to exercise in a certain way, Professional Indemnity Insurance will cover you if the client decides to take legal action and sues you for the incident.
Your insurance policy can be tailored to meet your specific needs with the option to add Personal Accident Insurance and Overseas Extension cover. Get an instant quote online via the form below.
Get a quote for personal trainer insurance
What insurance do personal trainers need?
If a third party claims that you have caused them injury or damaged their property, you could find yourself being sued. For example, if someone were to trip over a gym mat you had placed on the floor, injured themselves and blamed you, public liability cover would protect you in the event they made a claim.
You can find out more here: What insurance do I need as a personal trainer?
If a client suffers an injury whilst taking part in an exercise class, for example, they may bring a claim against their personal trainer because they’ve instructed them of the exercise and consider it to be their fault. Professional indemnity means that legal costs and damages that you may be ordered to pay, will be covered.
Using specific sports equipment for your training program? If your equipment is damaged or lost during a personal training session it could be expensive to replace. Having this cover in place means the costs of replacing or repairing equipment will be covered, up to the value that it held prior to the incident.
If you experience an injury whilst providing instruction in the activities we insure you to provide, depending on the type of injury and severity, this optional extra could reward you a benefit and even provides support should you be unable to work for a temporary period.
What's included in my personal trainer insurance policy?
Our policy can cover personal trainers, group exercise instructors and yoga teachers among others, with the following cover available:
Public Liability Insurance for Personal Trainers
Public Liability insurance for personal trainers covers you for claims, damages or injury to members of the public or their property. This could include damage you and your customers cause to other parties property whilst undertaking your activities, declared under your policy of insurance.
Professional Indemnity Insurance
If one of your clients injures themselves and deem it to be from your negligent advice, then Professional Indemnity protects you. A claim may come about if a client claims you have given bad advice or set them a task which in turn, caused them an injury.
£500 Free Equipment Cover
The tools of the trade which you use are protected by our policy too. Up to £500 of cover is included as standard, which ensures any damage to your equipment caused by a client or third-party is covered.
Optional Personal Accident
This part of the policy protects you personally as a personal trainer. Depending on the type of injury and severity, this optional extra could reward you a benefit and even provides support should you be unable to work for a temporary period.
What's covered in my policy?
Will I be covered if I train clients online?
Yes, online coaching is covered as standard with our personal trainer and coaches policy. Please note that the maximum class size is 16 people.
Am I covered to offer nutritional advice?
Yes, provided you hold a relevant qualification.
How much cover do I need in my policy?
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.
How much does personal trainer cover cost?
Personal trainer insurance policies start at just £53.69 for the year. This annual premium provides the standard, yet comprehensive, amount of cover required. Should you wish to increase your cover we are all too happy to accommodate.
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
We hope that none of our fitness professionals ever need to make a claim, but unfortunately it does happen and can come about because of a variety of reasons.
In the unfortunate situation that you need to make a claim, we aim to make the process as straightforward and stress-free as possible.
Check out our tips and guides to running a fitness business
Frequently Asked Questions
Q. What insurance do personal trainers need?
A. As a personal trainer, you will need public liability to cover you should you be sued by a third party (e.g. member of the public) for injury to them or damage to their property. You will also need professional indemnity to cover you for the advice and tuition given to your clients. Some personal trainer may choose to include additional cover options such as equipment cover and personal accident. You can find out more here: What insurance do I need as a personal trainer?
Q. Am I covered for working online?
A. 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:
1. At the commencement of the session, advise participants:
a. that by participating they are doing so at their own risk;
b. a suitable, non-slip floor space is required and any potential obstructions in the vicinity are removed before they participate;
c. to avoid activities if they have, or suspect they may have any current health concerns, injuries, aches and pains;
d. avoid the use of blades, weapons or sharp instruments of any description;
e. avoid physical contact with other participants and where appropriate, adhere to social distancing guidelines;
2. Ensure that sessions are conducted for the benefit of participants who have demonstrated sufficient suitability to participate;
a. with new clients you must ensure that;
i. you obtain a signed PAR-Q form prior to the first session
ii. you have had a pre-training consultation call
3. Continue to only instruct activities in which you are qualified to do so;
4. Record the session. Retaining the recording for a period of up to thirty-six (36) months may assist in any claim made against you
5. Maximum class size is 16
Q. What personal fitness trainer insurance do I need?
A. Our PT insurance policies all include the following as standard, which provides comprehensive cover to personal trainers.
Personal trainer liability insurance – Either £1m, £2m, £5m or £10m
Liability insurance for personal trainers covers them for claims, damages and injury to members of the public or their property. This could come about if you or one of your clients causes damage to the gym in which your sessions are held.
Professional Indemnity cover – level matched to that of your Public Liability
Should one of your clients injure themselves and deem it to be because of your negligence, then Professional Indemnity protects you. Any claim could be the result of a client claiming you gave bad advice or set them a task which in turn, caused them an injury.
Sports Equipment cover – £500 as standard for FREE (up to £30,000 available)
The tools of the trade which you use are protected by our policy too. Up to £250 of cover is included as standard, which ensures any damage to your equipment caused by a client or third-party is covered.
Personal Accident cover (not included as standard – optional extra)
This part of the policy protects the personal trainer themselves. Depending on the specific injury, your policy could pay out if you were to injure yourself while taking a personal training session.
Q. How much does personal trainer insurance cost?
A. Protectivity’s cheapest personal trainer insurance policies start at just £53.69 for the year. This annual premium provides the standard, yet comprehensive, amount of cover required. Should you wish to increase your cover we are all too happy to accommodate.
Q. What activities does your personal trainer insurance cover?
A. We cover a range of activities, covering a multitude of disciplines.
Bootcamps, Circuit training, Gym Instructors, GRIT Series, Rebound Therapy
Body Pump, Bodyweight Training, Insanity Training, Kettlebell, Kettlercise, TRX
Aqua Aerobics, Aqua Zumba, Aquanatal
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
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, Children’s Fitness, Fitball, Massage, Pilates, Pre & post natal exercise, Pre-school fitness, Remedial Massage, Sports Massage, Tai Chi, Yoga
Q. Are there any restrictions on where I train?
A. 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.
Q. Can you advise me about the medical questionnaire I am meant to give to my clients?
A. Typically we would expect personal trainers to have a pre-exercise readiness questionnaire, which they will give out to all clients prior to working with them. Usually, PTs have been taught about this in their own 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 your clients.
Q. Can this policy cover more than one coach or trainer?
A. No, this policy is designed for one trainer. Should you need cover for more than one personal trainer or class leader, then our Sports Business policy is more suitable.
Further information on our policy
If you have any other questions regarding our insurance for personal trainers, 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.