Personal Trainer Insurance

Tailored cover for PT’s and fitness instructors from £3.86* a month.

  • Public Liability for PT’s
  • Join 150,000 customers**
  • Flexible Payment Plans – 0% APR

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From £3.86* a month

Trusted by thousands...

Our reviews speak for themselves, with highly rated feedback from over 3,000 customers.¹

What does personal trainer insurance cover?

Our insurance for personal trainers includes the essential liability cover you need at a great price, giving you the option to add what you need only if its applicable. You will find that you can opt for different levels of cover, depending on the scale of your services.

The policy is specifically designed for trainers and instructors conducting one-on-one, group sessions, and online classes, taking into account a range of sporting specialisms you might focus on.

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.

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Public Liability

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Professional Indemnity

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Equipment

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Employers’ Liability

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Personal Accident

Why do you need personal trainer cover?

As a Personal Trainer your clients look to you for the specialist advice and motivation to help them achieve their goals. They put their trust in your experience, however sometimes things can go wrong.

Personal Trainer Insurance protects qualified fitness professionals, against claims that could arise from risks and incidents that might occur during a working day. You can be assured you are operating responsibly, fulfilling safety obligations to your clients and secure that you are protected from costly financial losses. Find out more in: What insurance do I need as a personal trainer?

Here you can take a look at some typical situations whereby having insurance is essential:

Cover against claims from public injury.

If someone were to trip over a gym mat you had placed on the floor, injured themselves and blamed you or if you accidentally damage a clients’ property such as a phone, you can claim to repair or replace it.

Having personal trainer liability insurance protects you against these incidents such as slip-and-fall accidents, injuries caused by equipment and damage to belongings during a training session.

Accusations of negligence following a client injury.

Whilst taking part in an exercise class, for instance, a claim may be brought against you as a personal trainer because an instruction you’ve given. A client may suffer an injury from an exercise instruction and consider it to be your fault.

Professional Indemnity Insurance will cover legal costs and damages if a client decides to bring a claim against you for the incident.

A gym requires public liability for contracted PT’s.

If you are contracted by a gym or other fitness centre to provide training services. Having suitable public liability cover will likely be a minimum requirement.

Avoid expensive equipment losses.

A client may walk off with a weight you own or if you store a stock of mats, they might become damaged in storage.

Personal trainer equipment cover can avoid costly replacements in case your equipment is damaged or stolen.

Financial protection from workplace injuries.

If an accident results in an injury to yourself and you need to take some time off work. Avoid loss of earnings.

Personal accident cover can provide you with financial support if you suffer an injury or accident whilst providing your service.

Our experts explain why...

“Traditionally Personal Trainers provide fitness instruction one to one and occasionally in small groups, this has evolved over years to include not just recognised fitness-based exercise but also a number of activities, sports and martial arts-based fitness. We have adapted our product offering to recognise this demand, so we can make sure, whatever you are offering to your customers, we can provide you financial protection. Our insurance offering doesn’t just cover your Public Liability concerns but also those that might come from suggested negligent advice and tuition, through our Professional Indemnity extension, which we offer at no additional charge.”

Chris Trotman, Protectivity Underwriting Manager

Making claims clear and simple

We work with our claims handling partners to make the process of making a claim as easy as possible.

Claims data as of 01.10.2024

£4.5million

paid in claims

£188081

largest claim paid

How much does personal trainer insurance cost?

The cost of personal trainer insurance can vary depending on the level of cover you need. For example, if you use specialist equipment in your training you may need to increase the value of cover.

Investing in personal trainer insurance is not just about protecting you and your organisation; it’s also about having the support to focus on your clients and developing your service knowing you have everything covered.

At Protectivity policies start at just £3.86* for the year.

Prices from

£3.86* a month

Explainer quote

Policy cost

£3.86* a month

Policy type

Personal Trainer

Policy duration

Annual

Public Liability

£1,000,000

Professional Indemnity

£1,000,000

Equipment Cover

£500

This example is based on a real quote from our website on 1/10/2024. If your circumstances and cover needs differ, your quote may be more or less expensive than the above example. The quote you receive will reflect the information you share about your event. The quoted price may vary from those displayed here.

Have a question?

For further information on your policy, renewals, making a claim and contacting us, you’ll find an extensive list of FAQs on our Help & Support page.

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Help & Support

Find answers to your questions and other assistance.

Why choose Protectivity for your personal trainer insurance policy?

Let the reviews of over 3,500 customers explain why you should choose us.¹

Trusted by over 150,000 customers.

Experienced insurance providers for over 30 years.

Over 3,500 highly rated reviews.

Proof of our excellent customer service.

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Experienced Claims Handling

A smooth and efficient claims process.

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UK Based Customer Support

Our UK sales team are here to help.

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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 01/10/2024. 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 Sep 2024

ˆ10% discount for policies bought online and applies only to the first-year of your policy premium. Protectivity reserves the right to amend or withdraw this offer at any time. Available to UK residents only.

¹Based on live Feefo data