Specialist Insurance for Personal Trainers

At Protectivity, our personal trainer insurance offers flexible cover with benefits like Public Liability and Professional Indemnity included as standard, protecting you against claims from members of the public and your clients.

Policies can be tailored to your specific needs, protecting you should injury or property damage occur caused by you or your clients.

When operating within a position of authority, whether instructing adults or children, you can be held accountable for both your own and your clients actions. It is important, therefore, to have adequate personal trainer insurance in place.

Whether you work as a boot camp instructor, specialise in aerobics, or are a one-on-one personal trainer, our policy is designed to protect you.

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Why choose Protectivity?

Straightforward Quote Process

We aim to make getting cover for your personal training business as easy as possible, with our quick quote form giving you a price instantly, with cover being available in just a couple of minutes.

Interest-Free Payments

Protectivity offers flexible payment options for our personal trainer insurance product. You can pay upfront or split your payments into three, interest-free payments.

Specialists in the Industry

We’ve been providing insurance to individuals in the leisure industry for over 25 years. Our personal training insurance product is one of the most comprehensive around, with a competitive price tag to match.

Excellent Claims Handling

Unfortunately things can go wrong when working in the sports and leisure industry. That’s why we’re committed to dealing with claims as smoothly and efficiently as possible.

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Thousands of happy customers

What's included?

Our policy can cover personal trainers, group exercise instructors and yoga teachers among others, with the following cover available:

Public Liability up to £10m

Public Liability insurance for personal trainers covers them for claims, damages or 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 you take your sessions.

Professional Indemnity

If one of your clients injured themselves and deem it to be because of your negligence, then Professional Indemnity protects you. Any claim may be the result of a client claiming you gave bad advice or set them a task which in turn, caused them an injury.

£250 Free Equipment Cover

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.

Optional Personal Accident

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.

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. Our PT insurance policies all include the following as standard, which provides comprehensive cover to personal trainers.

Public Liability cover – 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 – £250 as standard (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 £51.14 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.

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, 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 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 FAQ’S page.