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Personal trainer insurance

Pushing clients to the limit is good. Pushing them over it isn’t because that’s when people and things get broken. If that happens, protect your business and your reputation with insurance for personal trainers. It’ll never leave you sweating on a claim.

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Treatment and public liability
from £8.87 a month

This all-in-one cover for sport and fitness instructors includes:

Malpractice – for physical or mental injury, illness or death of clients caused by your negligence or error.
Public liability – for physical damage and injuries caused by your business or the products you supply.

Can’t see what you need? Call us on 0345 216 0027 and we’ll talk it through.

Studio cover
£3.27 a month
£5,000 to replace business equipment
Based on an annual income of up to £25,000. All prices include IPT at 12%. Quote online for turnovers up to £500,000, or call and talk to an expert.
Level the playing field

Your clients want to feel the burn.

But that’s all they want to feel. They certainly don’t want the fracture, strain or snap, too.

And claims are bad news. You’ll need to spend time and money fighting your corner, while running your business and protecting your reputation. That’s more mentally and physically demanding than you think.

Personal trainer insurance fights your corner. It gives you legal clout by paying for a solicitor to defend you and, if you’re found liable, picks up the tab for any compensation too. Our all-in-one policy covers you for bodily injury claims, as well as for professional negligence.

Why do I need insurance as a personal trainer?

Because even though you’re helping people improve their health, accidents can still happen. Especially when people are tired and might be pushing their limits. Even a small accident can lead to a claim, which can stop you in your tracks. And cost you a lot of money.

Let’s say you’re running a client through intensive circuit training. They might fall over a piece of equipment and injure themselves or damage their new smart watch. A claim could easily follow.

You face risks like these every day. Regardless of what kind of exercise program you’re using for a client. Personal trainer insurance helps by paying any compensation and legal fees you might face from a claim. And lets you focus on meeting your business’ goals. So your clients can meet theirs.

What activities does personal trainer insurance cover?

As a personal trainer, you have to adapt what you do to each client.

Sometimes, the best thing might be yoga and sports therapy. Other times, circuit training and group runs might be the way forward.

Personal trainer insurance covers a huge variety of these activities. But not all of them.

Here’s some examples of what’s covered:

  • Aerobics
  • Sports therapy
  • Yoga
  • Personal training
  • Boxercise
  • Circuit training
  • Group sessions
  • Bootcamps
  • Dancing

And here are a few things that aren’t covered:

  • Contact sports
  • Gymnastics and acrobatics
  • Horse riding
  • Powerlifting
  • Water sports
  • Aerial exercise, like trampolining
  • Endurance sports, like Tough Mudder
  • Roller skating, skateboarding, and similar activities
  • Any activities involving a weapon

What insurance do personal trainers need?

Being a personal trainer means helping your clients achieve their fitness goals. Whether it’s from your own gym, a rented space, or a park.

Managing all your clients can be difficult, though. Especially if you’re running your business by yourself. Personal training insurance helps you keep track of things you might miss. And softens the blow of a claim.

Here’s what you’ll need to get started:

  • Public liability insurance for personal trainers covers accidental injury or property damage that is found to be your fault. It covers you whether you’re at your own studio or renting a space. And covers your legal expenses and any compensation.
  • Malpractice insurance protects you against claims of negligence in your work, like offering a client the wrong training plan. Or having them do an exercise that isn’t suitable for them. It covers your legal fees and any compensation you might owe.
  • Equipment insurance is perfect if you rent a space and take anything with you to do your job. This might be portable fitness equipment, speakers, a laptop, a mobile phone, and anything else that you take out and about with you. It’ll pay to repair or replace broken or stolen equipment.
  • Studio insurance is for personal trainers that work out of their own gym. It covers your tech, furniture, and equipment in your gym or workout space if they’re stolen or damaged.
  • Employers’ liability is a legal requirement if you have any employees. It protects you if a staff member is injured or falls ill by working for you. You need it even if you have part-time employees, people on work experience, or anyone else working for you.

Read more about what insurance personal trainers need.

What does public liability insurance for personal trainers cover?

Public liability insurance is vital for personal trainers. It covers you for claims of accidental injury and property damage.

You might have accidentally left out some weights near the door of your gym, which a client trips over. Or you could drop a weight on their phone when you’re demonstrating an exercise.

Claims like these would be covered by public liability. With the nature of the work you do, these kinds of risks are common. Public liability makes sure that your ability to do business isn’t affected by them.

How much does personal trainer insurance cost?

How much you’ll pay will depend on a few things.

First, if you have employees working for you, your insurance will cost more. This is because you’re required by law to have employers’ liability insurance.

The cost will also vary depending on how many clients you have. The kind of activities you do can affect the price too.

You also need to be certain you have enough cover for your portable equipment.

To choose the right level of cover for your equipment, add up everything you use to run your sessions, from laptops and mobile phones to fitness equipment and speakers. Make sure you include it all, or you’ll be underinsured, which can leave you out of pocket.

Remember that your equipment isn’t covered unless it’s locked away or with you. Anything out of sight isn’t covered, so take extra care with it.

Do online PTs need insurance?

The short answer is: yes. But online personal trainer insurance will be different when compared to a PT who does sessions in person.

If you do all your sessions from one location, then you wouldn’t need portable equipment insurance.

You might not need employers’ liability insurance. It’s a legal requirement if you employ anybody. Even if they’re part-time, completing work experience for you, or doing unpaid training.

You definitely still need malpractice and public liability insurance, though. You’re still offering advice to clients, giving them training plans, or guiding them through sessions. So you could still be hit by claims of negligence or error. Especially if your sessions are one-on-one.

Studio insurance can also be handy for online PTs, as you’re still running your business from a space you own.

In short, PT insurance is always useful, even if your focus is on online sessions.

Read more about what insurance online PTs need.

Why should I buy my insurance from you?

Glad you asked.

The simple answer is: we know what we’re doing. Small business insurance is all we do so we know what you need, even if you don’t.

We also know that buying insurance can be, well, a bit of a pain. So we make sure getting yours is quick and hassle-free.

We do all that while treating you like a human being, too. You won’t find a call centre here. Or a phone menu. And we’ve banned nonsense insurance jargon.

Anything else? Well, there’s the great stuff you get, such as an ‘I’m insured!’ badge for your website – perfect for the professional professional.

Also, we’ll give you money each time you recommend us.

If you’re after a second opinion, have a look at our customers’ feedback. They’re the ones you should really listen to.

What our customers say...
Helpful, efficient, quick answer on phone. Good price. Very pleasant staff. Speak as you find, excellent.
Fitness Instructor
28 October 2023
Very easy and helpful website. Good prices and support, this is my first business and was introduced by another biz.
Yoga and Pilates Instructor
5 October 2023
I wasn't sure what insurance I needed to called and spoke to Jenna, she was super friendly and very helpful. I felt more informed and happy make a decision.
Copywriting and Editing
25 July 2024
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0345 216 0027
Catherine Roberts
Account Executive
Sarah Adams
Sales Team Leader
Yasin Akdemir
Schemes Team Leader
Sian Adams
Medical Malpractice Team Leader
Zoe Langford
Senior Account Executive