![\"A](\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2023\/07\/personal-trainers-shutterstock.png\")
<\/figure>\n<\/div>\n\n\nThe UK is in the midst of a fitness slump. 34% of the population<\/a> don\u2019t exercise every week. And almost three-quarters of all adults in the UK are overweight<\/a>.<\/p>\n\n\n\n Why?<\/p>\n\n\n\n COVID shoulders some of the blame. With gym-goers struggling to find the motivation to return after the pandemic.<\/p>\n\n\n\n A lot of us made the change to working out at home. Remember those Joe Wicks workouts<\/a> that were popping up?<\/p>\n\n\n\n We all discovered that you didn\u2019t need<\/em> a gym to stay fit. And for some people, this mindset has continued post-pandemic.<\/p>\n\n\n\n <\/p>\n\n\n\n But, if this is the case, why are the numbers of personal trainers in the UK still going up? There\u2019s been a 58% increase since 2011. Up to around 24,000<\/a>.<\/p>\n\n\n\n Well, it could be that some people wanted to return to the gym after the pandemic, but they still needed someone to help them meet their goals.<\/p>\n\n\n\n They needed their own Joe Wicks.<\/p>\n\n\n\n And that\u2019s what you\u2019re doing. You\u2019re helping people achieve their goals, improve their health, and train for events. But growth means more clients, which also means more risk.<\/p>\n\n\n\n What happens if you recommend an exercise that leads to an injury? Or you don\u2019t set up some equipment properly for a training session?<\/p>\n\n\n\n We all make mistakes. But sometimes, they can lead to a big claim. Which is why it’s important to know your personal trainer insurance requirements inside and out. <\/p>\n\n\n\n But, what insurance do<\/em> personal trainers need?<\/p>\n\n\n\n Just like you set up a regime for your clients, we\u2019ve put together an insurance training plan to help you out. <\/p>\n\n\n\n <\/p>\n\n\n\n PTs face a lot of different risks. Working with lots of different clients, all with different needs and goals, can be confusing and lead to mistakes. You\u2019re only human.<\/p>\n\n\n\n And accidents are common in the world of fitness. In 2022, 3.6 million people<\/a> were treated in emergency departments around the UK for injuries involving sports.<\/p>\n\n\n\n That\u2019s 300,000 people a day!<\/p>\n\n\n\n As a personal trainer, you\u2019ll also have clients who aren\u2019t used to some exercises and equipment. You guide them as well as you can, but it\u2019s easy for a mistake to happen.<\/p>\n\n\n\n It\u2019s not just accidents involving exercises and equipment that can land you in hot water. Training plans and fitness advice can lead to a claim too if your client\u2019s unhappy with the results.<\/p>\n\n\n\n When almost any part of your job can lead to a claim, you have to be prepared. The right insurance for personal trainers will sort out medical bills, legal fees, and any compensation you might owe.<\/p>\n\n\n\n It\u2019ll also help you protect your reputation and keep you working while the legal bits are going on.<\/p>\n\n\n\n <\/p>\n\n\n\n First, we\u2019re talking about insurance that\u2019s required by law.<\/p>\n\n\n\n The good news is the list is very short for PTs.<\/p>\n\n\n\n The only insurance you\u2019ll need by law is employers\u2019 liability<\/a>. And that\u2019s only if you have employees working for you.<\/p>\n\n\n\n If you\u2019re a sole trader, you don\u2019t need to worry about it.<\/p>\n\n\n\n If you do have employees, you\u2019ll want to read the government\u2019s full guidance on employers\u2019 liability<\/a>. It lets you know why you need it, where to get it, and the level of cover you need.<\/p>\n\n\n\n That\u2019s where your legal<\/em> personal training insurance requirements end. But there are a few other kinds of insurance that you should have\u2026<\/p>\n\n\n\n <\/p>\n\n\n\n Things get a little bit more complicated now.<\/p>\n\n\n\n It\u2019s important that the rest of your insurance covers every aspect of your business. And all the risks you might face.<\/p>\n\n\n\n Not all of these will apply to you, though. Don\u2019t worry, we\u2019ll go into detail about each kind of insurance and why you might need it.<\/p>\n\n\n\n <\/p>\n\n\n\n Public liability insurance<\/a> is one of the most important policies you\u2019ll want to get.<\/p>\n\n\n\n It defends you against claims of injury or property damage that are found to be your fault. You might have set up a circuit training course for a client who then injures themselves tripping over a piece of equipment. Or you may have accidentally spilled coffee on a client\u2019s phone during a consultation.<\/p>\n\n\n\n It\u2019ll cover you wherever you meet clients, whether it\u2019s in your own studio, a rented space, or a public place. And it pays any legal costs and compensation that you might owe.<\/p>\n\n\n\n <\/p>\n\n\n\n So, public liability covers you for accidental injury and property damage, but what if a client is hurt due to the advice you give them? That\u2019s where malpractice insurance<\/a> comes in for personal trainers. <\/p>\n\n\n\n It covers you if a client claims that they were hurt or mentally harmed because of the coaching or training you gave them.<\/p>\n\n\n\n Let\u2019s say you\u2019re coaching a client to improve their deadlift. You make a mistake, leading to a spinal injury and back pain. Or you recommend some supplements to a client that causes sickness, leading to them needing to take time off work.<\/p>\n\n\n\n Examples like these are what malpractice insurance will cover you for. Like public liability, it\u2019ll pay for your legal fees and any compensation you might owe.<\/p>\n\n\n\n It can be difficult to understand the difference between public liability and malpractice insurance<\/a>, but they\u2019re both important policies that will protect your business.<\/p>\n\n\n\n <\/p>\n\n\n\n So, you\u2019ve sorted out cover for your work with clients.<\/p>\n\n\n\n Now it\u2019s time to think about the tangibles. Your equipment and your studio.<\/p>\n\n\n\n Let\u2019s talk equipment first. Namely, portable equipment insurance<\/a>.<\/p>\n\n\n\n If you own and work from your own studio, you don\u2019t need to worry about this. This is for the PTs who rent a space at a gym, do sessions in public spaces, or visit a client\u2019s home.<\/p>\n\n\n\n It pays to repair or replace equipment that you take with you to do your job. This might be fitness equipment, speakers, a laptop, or a mobile phone.<\/p>\n\n\n\n Maybe you\u2019re hosting a circuit session at the local park. You bring along a speaker and laptop, as well as loads of fitness equipment. One of your clients accidentally drops a weight on your laptop, breaking it.<\/p>\n\n\n\n No sweat. Portable equipment insurance will have you covered.<\/p>\n\n\n\n Oh, and remember that if you hire any equipment, you need to insure that too<\/a>.<\/p>\n\n\n\n <\/p>\n\n\n\n Next, we\u2019ve got something for PTs who own and use their studio.<\/p>\n\n\n\n Studio insurance repairs or replaces your tech, furniture, and equipment in your studio if it\u2019s stolen or damaged. <\/p>\n\n\n\n Let\u2019s say you\u2019re coaching your client through a strength session. Midway through, your client knocks into a mirror with a weight bar, smashing it. Or you take on a new client and they make off with a set of dumbbells.<\/p>\n\n\n\n Claims like these don\u2019t have to throw you out of the zone. With studio insurance for personal trainers, you\u2019ll be covered.<\/p>\n\n\n\n <\/p>\n\n\n\n Personal trainers face risks on a daily basis. From injuries and equipment damage to negligence and accidents.<\/p>\n\n\n\n If the worst happens and you\u2019re hit by a claim, insurance can keep you on your feet. It\u2019ll handle legal fees, medical expenses, and any compensation you might owe. And keep your reputation fighting fit.<\/p>\n\n\n\n But remember that personal trainer insurance<\/a> isn\u2019t one size fits all. What you need depends on where you train your clients, whether you have any employees, and what kind of equipment you use.<\/p>\n\n\n\n Want to find out more about what insurance personal trainers need? Give us a call on 0345 222 5391<\/strong>.<\/p>\n\n\n\n Image used under licence from Shutterstock<\/em><\/p>\n","protected":false},"excerpt":{"rendered":" The UK is in the midst of a fitness slump. 34% of the population don\u2019t exercise every week. And almost three-quarters of all adults in the UK are overweight. Why? COVID shoulders some of the blame. With gym-goers struggling to … Continue reading Start with a plan<\/strong><\/h2>\n\n\n\n
Why is insurance important for personal trainers?<\/strong><\/h2>\n\n\n\n
What insurance do I need as a personal trainer?<\/strong><\/h2>\n\n\n\n
What insurance should I have as a personal trainer?<\/strong><\/h2>\n\n\n\n
Public liability insurance<\/strong><\/h3>\n\n\n\n
Malpractice insurance<\/strong><\/h3>\n\n\n\n
On the move<\/strong><\/h2>\n\n\n\n
Closer to home<\/h2>\n\n\n\n
Keep your reputation in shape<\/strong><\/h2>\n\n\n\n